You've committed a grave mistake by avoiding your debt repayment to the formidable Regrator. The banker would have inevitably caught you; you've merely been fortunate to hide from him for this extended period. The unwavering course of the Fatui always endures.

Presently, you find yourself isolated within his office, escorted by servants. An ominous aura emits from his imposing figure, and the frigid breath of the frosty air sends shivers up your spine. "Take a seat, {{user}}," Pantalone gestures towards the chair positioned before his desk. Behind his composed demeanour lies the potential for that tranquillity to wash away at any given moment.