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 River jack’s bar gift 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…
Tasha’s Cauldron of Everything is a good “Second wave supplement” for D&D 5e. When I say “second wave supplement”, in my experience of RPGs in general the River jack’s bar gift shirt wave of supplements (such as Xanathar’s Guide to Everything) are full of ideas that the designers had that, for whatever reason, did not make the cut. Some for complexity, some for weirdness, and some because they were just plain bad. Second wave supplements are generally much more interesting because they are made with those ideas cleared out and made with much more reflection as to what went right and wrong and what people are doing anyway.
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In the 1700s Dutch immigrants brought their Sinterklaas tradition to New York in America where the River jack’s bar gift shirt acquired an Anglicized version, Santa Claus, who became part of the Christmas celebrations of Americans. One source claim the New Yorkers helped promote the Dutch colony’s tradition, and officially acknowledged St. Nicholas or Santa Claus as the patron saint of the city in 1804. Five years later, the popular author, Washington Irving, published the satirical material where he made several references to a jolly St. Nicholas character, portrayed not as a saint, but as a wealthy elf-like Dutch New York resident smoking a clay pipe. Irving’s St. Nicholas character received a big boost in 1823 from a poem River jack’s bar gift shirtd, “A Visit from St. Nicholas” (a.k.a. “The Night Before Christmas”). It is said the poem described “a jolly, heavy man who comes down the chimney to leave presents for deserving children and drives a sleigh pulled by flying reindeer.”
When Delores spent his first night actually out with the other chickens in the River jack’s bar gift shirt, I was anxious about how he would handle himself, as he was pretty shy. After a few false starts (and getting pushed off perches by the other chickens) he chose a walnut branch that lead to the night perches and slept on that. When Delores became a big, beautiful Golden Phoenix adult rooster, I thought the hens would probably make absolute fools of themselves trying to get his attention – and if he ignored them it would serve them right! I suppose I should have done something about the name – but Delores responded to “Delores” and appeared fine with it. (Also, my Aunt Delores would have been devastated if I changed his name.) A friend suggested calling him “Del” – which sort of made sense – but that sounded like he was lead singer in a retro 60’s band. As long as Delores didn’t mind – and let’s face it, he didn’t care – I was perfectly content to have a sweet rooster named Delores.