“Fair warning, though,” Harry went on, “I might solve the debt to Lucius Malfoy myself if I see a way before you do, it’s more important to get that sorted immediately than which one of us gets it sorted. Anything interesting so far?”
But if he does remember the gold-and-silver scheme, then he’s telling Hermione to go work on a problem that isn’t necessary to solve—and there’s every likelihood that she’d find out.
“I s’pose you’re going to tell me that I don’t need to worry about anything and you’ll take care of it all?” It came out sounding harsher than she would’ve wanted, and she felt another stab of guilt for being such a terrible person.
“Nah,” Harry said, sounding oddly cheerful. “I can put myself in your shoes well enough to know that if you paid a bunch of money to save me, I’d be trying to pay it back. I’d know it was silly on some level, and I’d still be trying to pay it back all by myself. There’s no way I wouldn’t understand that, Hermione.”
Hermione’s face screwed up and she felt moisture in the corners of her eyes.
“Fair warning, though,” Harry went on, “I might solve the debt to Lucius Malfoy myself if I see a way before you do, it’s more important to get that sorted immediately than which one of us gets it sorted. Anything interesting so far?”
That could just as easily imply that Harry hasn’t thought of a way to pay off the debt as it could imply that he has.
He’s explicitly saying he’s not relying on her to do it. How could that be any clearer?
But if he does remember the gold-and-silver scheme, then he’s telling Hermione to go work on a problem that isn’t necessary to solve—and there’s every likelihood that she’d find out.