This is exactly what I was hoping someone would send thank you. The AFK doesn't skew it much, and honestly the log tells me things I couldn't have guessed: you missed 10 of 11 payments, and the debt didn't start going down until minute 35. That's not what the game is supposed to do. It's supposed to start bending around minute 20, gradually, not sit still for half an hour and then collapse at the end.
The other thing your log shows is that you stopped clicking around minute 12 and the game kept going which is the right shape. Compare that to what happens in your second run below and it's pretty revealing.
Genuinely, thank you for taking the time. This is the kind of thing that actually changes the design.