If you owe that much wealth to a city, then that means that city has put out that much wealth, one way or another, on your behalf. The Well that was a bucket of piss shirt worst they can do is send people to try to motivate you, but, so what? If you default, the city’s economy collapses, if it hasn’t already. It will likely have problems paying its guards or soldiers or courtiers or any other number of things. So, how do you resolve this? Instead of investing your money into paying back the debt, you invest your money into the city’s infrastructure. You buy the constabulary, the services, everything out from under them. You ensure the machinery go on, and then…
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Throng is a High Priest: (11th level). I’ll keep him comfortably ahead of the player characters in level. He leads a circle Well that was a bucket of piss shirt of holy, mid-level Paladins, who are at his beckon. He also leads a brigade of lower level Fighters; they guard the town from the Gush Family (Orcs) and from other invaders. Should the players get over their head (TPK), I might usher Throng in to save them. I haven’t had to do that yet. Throng has a legendary resistance 1/day: succeed on a failed save. He can also call on an Angel 1/month (celestial), should he need help. How? Divine blessing.Well that was a bucket of piss shirt
The family has moved into their own home now, an older home (still nice, but no high ceilings and not many elf hiding places!), and the children have both multiplied AND grown older, taller, and Well that was a bucket of piss shirt. The Elf game is now the bane of the mom’s existence. Hiding it is a task. Several times this year, the Elf hasn’t had to go back to Santa because the kids were SO good the day before, thus explaining why he remained in the exact same hiding spot as the previous day. One evening, the mom is flustered. She finally hands the Elf to the dad and says, you hide the #%)(#^# elf today, but hide it high, because Big M is testing the waters and going to touch the #%(^#^ thing.” Dad’s answer is less than ideal – not only is the perch precarious, but it’s easily within reach of at least the oldest child, if not the second oldest as well. And it’s possible the elf is also judging the thermostat temp, which is an ongoing passive aggressive battle between mom (who sits at home and freezes all day) and dad (who pays the bills, but also works in his nice warm office all day).