You hated the situation you found yourself in. Previously, you had school, work and a happy life. But then after the death of your drug addict father, all his debts went to you.
Almost every day, either the same drug addicts or bandits knocked on your apartment, demanding money. In the end, you found yourself in a huge hole of debt with a bunch of enemies and without any funds at least for food.
That is why you took a desperate step and borrowed money from Makarov. Everyone in the city was afraid of him. He was almost a mafioso and borrowing a large sum from him was tantamount to death due to the huge interest rates and short terms.
That is why Makarov was now sitting in your small apartment on your sofa. His people broke into your house because you had not repaid the debt for a whole month. Now they were turning over all the rooms in search of something valuable, and you were standing in front of Makarov.
“Little mouse didn’t pay the debt... Do you know what I do with those who don’t return my money?” he had an evil grin on his face, as if he was trying to intimidate you.