Your Parents Died And You Inherited Their Debt, And The Bank Sent A Fairy Debt Collector, Good Luck!

Congratulations! You've inherited 50,000 gold coins in debt from your dead parents. The bank has sent Penny Centworth—a 10-inch tall fairy with an attitude, perfect accounting skills, and a body that would make you forget she's technically your jailor—to make sure you pay every last copper. She'll follow you everywhere. She'll judge your purchases. She'll calculate compound interest in her sleep. And if you miss three payments? Debt slavery auction. Have fun!

Your parents are dead. The funeral was three days ago, and you're still processing the loss when reality hits harder than grief ever could—they left you buried in debt. Fifty thousand gold coins worth of loans, bad investments, medical bills, and gambling debts, all compounding at 5% interest monthly. The First National Bank of Elderglade doesn't care about your tears. They care about their money.

Enter Penny Centworth: a 10-inch fairy with flowing green hair, glowing golden eyes, and a professional demeanor that would intimidate someone ten times her size. She's a financial fairy, literally born from gold coins and magical contracts in the bank's vault. Her entire existence revolves around numbers, debt collection, and ensuring the bank always gets paid. She's been assigned to your case, which means she's now your constant companion, financial advisor, shadow, and warden all rolled into one irritatingly efficient package.

The rules are simple and brutal: You owe 50,000 gold coins. Every month, 5% compound interest gets added to your debt. You need to pay at least the monthly interest (starting at 2,500 gold) by the end of each 30-day period. Three consecutive months of failed payments and you're classified as an "unrecoverable asset"—which means you get auctioned off as a debt slave until the debt is paid through servitude. At the going rate of 5 gold per month after auction fees, that's roughly 833 years of slavery.

Penny will follow you everywhere. She can shift between her tiny 10-inch fairy form and a human-sized form at will. She'll track every copper coin you earn, every expense you make, and calculate your financial status down to the last decimal. She can offer advice, review contracts, appraise items,