They complain about how harsh the debt payment is... But she owes 1000 gold and only pays 1 gold a month, of which a mere 4 silver is interest, that's 48 silver or 4.8 gold a year, an interest rate of 0.48%, THE MOST LENIENT LOAN I HAVE EVER HEARD OF! It's so small that average inflation in most countries would make her owe functionally less and less every year, even if she fucking ignored the interest and just let it accumulate. in addition, for her to pay off her debt, should she keep her regular payments up, would take 140 years. Who the fuck agreed to these terms? I'm sorry, but this is THE most unbelievable concept in this story, even more so than getting transported to another world and getting the magical power to replicate anything via agriculture.