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... g their credit card dues were feeling smug. To them, the interest charges were meaningless pocket change. They dismissed the warning letters sent by Hellfire Bank—whether through enchanted mail or directly via their home computers.

One of them chuckled as he tossed yet another notice into the fireplace. "Only fools actually pay off these so-called credit cards," he muttered, watching the letter curl into ash.

They saw no benefit in repaying what they considered a ’temporary privi ...

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