alt Hacker NewsI don't think any bank will give you such a huge personal loan that you could end up in debt for your whole life, since they typically want the loan repaid. The only way I can imagine that happening is if you're a sole proprietor and you get sued or fined. I can't think of another way to get exposed to that much liability.
100ke might be enough. Once the debt is in enforcement (ulosotto in Finnish), interest can keep accruing at roughly 10%. If your earnings are low, you can pay for years without reducing the principal at all.