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I had everything set to export 0, all three were maxed and I was spending about 20-30% in the green for education & health care (about 70% in the green for envivornment), made a ton of eco partnership & HDC treaties, spent full on research (then cut it to middle), middle on government, half red on foreign aid and I was gaining debt quite quickly, the debt payments were getting quickly close to total income (which is when eco fail happens when total income exceeds debt payment).
Should I not have spent much on health care & education & research?
At some point the balance was about 4-5 trillion in red.
And the moment any resource had surplus - I exported it.