So, In a game that is currently experiencing some growing pains, I am statting up a character with infernal heritage. As a result, I was planning on taking on sponsored Magic (hellfire)... but I got really confused about Sponsored Magic, especially what does and does not incur debt... and the party is split on the proper interpretation.

Does everything 'sponsored' incur debt, or only if specifically listed? If I wanted to be able to throw fireballs around without incurring debt, would I need to take channeling (fire) as well, or is that already in the package for hellfire (albeit with the impact of infernally affected consequences)?
This is on top of the issues about the sponsor needing to approve of the use of magic, yes? In the case of Hellfire without a specific demon in the picture, this could be nearly anything violent, no?
(Perhaps a good homebrew rule might be that you could take a point of debt to use magic when the sponsor would otherwise be neutral to the situation?)