Next, characters. The user mentioned five players. To make it engaging, each player could have a unique role or skill set. For example, a thief, a witch, a debt collector, a rogue, and a scholar. Each has their own motivation and backstory related to the debt. The thief might have stolen something powerful, the witch might have made a dangerous bargain, the debt collector is after them but has their own secrets, the rogue seeks redemption, and the scholar wants to unlock the secrets of the debt.