I think food allergies should probably be the first place we all look. And then, as you say, you have to accept that healing at the cell-level can be a slow, careful process.
One thing I have found out is that the body wants to heal at its own pace and it does no good to try to speed it up. And each supplement and protocol must be introduced carefully and when the time is right. And agreed the process is slow if it at the speed the body dictates though it can be speeded up.
I think your analogy of debt is good and agree that cfs is a symptom of the whole organism crashing.