Just a suggestion, but it would be awesome, if the non-player character (ie. the playable char we didn't choose) would have some simualted autonomy, ie. they could choose to 'help out' lovering the rent themselves under certain conditions...
That's an amazing idea :3 And we don't see a lot of it in visual novels because of technical limitations.
Now it's too late for debtors but that's a good idea for the next game <3