Why consolidate debt payments into a single pouch? Why not a Payback Pouch per debt?
Debt payoff strategies like avalanche and snowball work by focusing all available payment money on one debt at a time, then rolling that payment into the next. A single Payback Pouch keeps all that money in one pool, so the Debt Payback Tool can automatically prioritize as debts are paid off. Splitting into separate pouches per debt would mean constantly rebalancing by hand. This requires extra effort that works against sustainability.
Once your debts are paid off, you can keep using the Payback Pouch for credit card payments. Your cards stay in Payback Mode, and your spending reserves the cash to pay each statement in full.