Sounds like projection on your part little boy, this just seems like a regular spinoff of the theme but all the characters are normal, rational people instead of the walking tropes in every other "Kicked out of party but strongest" story.
That IS how variable rate fixed payment mortgages work if the rate goes up. And the interest on those loans IS compound on the interest. Don't get me wrong, IRL isn't (usually) some silly "10% in 10 days" rate, but still.
I think the biggest problem in this attempt at a hook is the disconnect...