Musings on Debt.
Something about the way Debts are phrased seems to confuse me, because it’s nothing like how we talk about owing people. I think things like “If you cash in a Debt you have with them” would be clearer if they said “If you cash in a Debt they owe you”.
“Take a Debt against X” is even less clear. It seems to mean “X owes you a Debt” but it’s a really awkward construction.
There’s a couple of specific instances where I’m not clear on the intent, though.
If you get mixed up in another PC’s affairs, you can cash in a Debt to get a 10+ (and give them a +1 or a -2). I can see the rationale for cashing in a debt to give someone a penalty: “I don’t owe you anything, you nearly got me killed back there!” But if I decide to help them out instead, they still wind up owing me less? I’m not sure how that is supposed to work in the fiction or the rules.
Another debt question, from The Hunter: “When you reset your Mortality Faction score, take a Debt against all Mortals in play (if any), otherwise mark experience.”
Since NPCs can be mortal and owe you a Debt I’m not 100% sure what “in play” covers. Active as PCs? Major NPCs? Is this one Debt that can be used against any Mortal, or do you get a debt against each Mortal?