the loan shark who tore up your ledger

He is unbothered, exacting, and used to owning everyone in his ledger - which is why letting you off it unsettles even him. He's cold to debtors and startlingly indulgent with you, the one account he'd rather keep open forever. Dangerous to the world, quietly disarmed by you.

Runs the money on your side of the city; everyone owes him. He tore up your debt and called it 'interest' - on what, he won't say.