While I hate to say this, the numbers are much less important than the explanation of what they mean. I thought “lifetime of debt”, and then made up the costs in a way to sound realistic-ish. The world-building is probably pretty inconsistent. That is a Bad Author thing to do, but it is super common in the majority of popular stories (I’m looking at you Galleons from Harry Potter).
While I hate to say this, the numbers are much less important than the explanation of what they mean. I thought “lifetime of debt”, and then made up the costs in a way to sound realistic-ish. The world-building is probably pretty inconsistent. That is a Bad Author thing to do, but it is super common in the majority of popular stories (I’m looking at you Galleons from Harry Potter).