In this part of the narrative, the main character (MC) continues to struggle with the consequences of borrowing money from predatory lenders. Despite his family's economic situation appearing to improve—and his wife securing a good job—the MC makes a series of poor financial decisions that lead him deeper into trouble.

The story highlights a grim world where even the police are implied to support or ignore these illegal loan practices, making escape nearly impossible.

The MC finds himself caught in an "illegal loan trap" where interest rates triple if payments aren't met exactly on time, often scheduled just days before his actual payday.