The powers that be have a vested interest in you being utterly confused by a financial system where a series of simple mistakes can leave you in debt for the rest of your life.
Madness string 82175
Anyway, so the point we're at is that I've spun a cocoon round Cultist Simulator and I've pumped enough liquefying enzymes into it that it's more goo than game at this point. This is progress.