Visa Inc., a global payments technology company, reported total liabilities of $5,000,000 and total equity of $10,000,000 for the fiscal year 2023. Calculate the debt-to-equity ratio for Visa Inc. in 2023. The debt-to-equity ratio is a key financial leverage ratio that indicates the proportion of a company's financing provided by creditors relative to shareholders' equity. Provide a detailed explanation of the debt-to-equity ratio calculation, including the formula used, and discuss the significance of the ratio in evaluating Visa Inc.'s capital structure and financial risk. Analyze the implications of the calculated debt-to-equity ratio figure for Visa's solvency, leverage, and ability to withstand financial distress or economic downturns.