Calculate the debt ratio for Company ZZZ, given its total liabilities of $800,000 and total assets of $2,500,000. Explain the debt ratio as a measure of a company's financial leverage and risk, indicating the proportion of assets financed by debt relative to total assets. Discuss the significance of a high or low debt ratio in evaluating a company's solvency, financial stability, and its implications for capital structure decisions and creditworthiness.