I have a couple of doubts about Cash in a Debt.
With a PCs:
1- I’m asking for a favor; when exactly I cash in the debt? Let’s say I’m asking Ely, the Vamp (a PC) to steal a magical ring and give it to me. I’d say that I’m cashing in the debt when Ely gives me the ring, not when she says “Ok, I’ll get it to you. Promised.”
2- I’m having problems with Lending a Hand or Getting in the Way as a consequence of Cash in a Debt. I generally find that both Lending a Hand and Getting in the Way happen all of a sudden, because they’re reactions to someone else’s actions. So there is virtually no time for the PC to ask another character for help, or especially to get in the way of someone who’s acting right there. I’d say that you can choose those options only if you have enough time to negotiate the terms (explaining why the debt matters, bargaining, trying to refuse to honor the debt, etc…), but I’m not sure.
With NPCs:
3- When a PC is cashing in a debt with an NPC, can the MC say that you’re asking for too much?
E.g. Ely, the Vamp (a PC) cashes in a debt with Zack. Zack is plain human, but he’s part of the Wild Faction because he’s one of the minions of Abaddon, the demon. Ely asks Zack to introduce her to Abaddon. What Ely doesn’t know is that Abaddon told its minions that if anyone had spoken about Abaddon itself, they’d have been killed. So it seems logical that Zack would just say “I’m sorry Ely. You’re asking for too much here.”
Is it legit?