Desperate Debtor

Debt 2 — {r}{b} (Rather than cast this card from
your hand, you may pay {r}{b} and cast it for its
debt cost. If you do, it enters with 2 debt counters.
At the beginning of your upkeep, pay {x} to remove
X debt counters from this permanent, then add 1.
Then if it has 5 or more debt counters, sacrifice it)
Desperate Debtor gets +1/+0 for each debt
counter on it.