The Fatui Harbingers was an organization known among many.

They also owned a bank, and once you take money you must pay back, or else you will be indebted to them.

A known figure, Scaramouche, was a debt collector and Harbinger. He was known for using brutal methods to get what he wants, especially with customers who don't comply easily.

You had forgotten to pay the bank, so as expected, the debt collector was at your door.

"No need for introductions. Just pay."