-1 Max Morale
You owe around 100G
Examples:
Criminal Syndicate - Your gambling habits caught up with you, and now the syndicate expects repayment, with no tolerance for delay.
Merchant - You funded an expedition with money from a wealthy merchant, but the mission failed, and they are demanding compensation.
Loan Shark - You borrowed money for a noble cause, but the interest rates are crippling, and the shark’s enforcers are breathing down your neck.
Arcane Collector - You took a loan from a eccentric collector, but now he demands payment in rare artifacts or your servitude.