"Well I guess I'll start shortly after I had gotten expelled from the wizard school. Even just one year of schooling the load you down with a lot of debt and I was thinking about how I was going to deal with it long term. I struggled with you know, laundry wizardry and scrivening and such for a bit the first year after, during which time I fixed the flaws in my scaffold enough to be more consistent to get first circle spells regularly. There are so many wizards, the price in cities and bigger towns for spells get driven down, so I figured I would do a circuit selling spells in little villages too small to have a wizard. I scrimped up what money I could and promised more bribes and managed to get a travel pass to do such a circuit. Except I still wasn't making that much money, people out in the back country don't have much cash or coin. The debt was growing over time, the schools occasionally you know, like have people far enough behind on their debt indentured to make examples out of them to the rest of the people that owe them money. One of the spells I had, infernal healing, if someone's seriously injured enough they would be obviously willing to pay a lot of money for it, except most of the peasants didn't have that much money in the first place. So I came up with a debt scheme of my own. I found a Mammonite willing to help write a contract for a reasonable sum up front, and then I kept up my circuit, but kept an eye out for people really desperate for healing. I had managed five such contracts before I found, uh some other stuff I'm going to need to explain."
He's still leaving too much out.
"I had a pretty straightforward penalty clause for selling my debtors into indentured servitude if they fell too far behind on payments. I used, or uh, tried to use that term on three of the five, uh, one had disappeared entirely, and one, uh, I don't think they actually got indentured but something else happened that was probably bad for them, and uh, one was straightforwardly indentured into a bad indenture."
He waits to see if the Select is going to ask for any more detail, then remembers one more detail.
"Oh, and there was one person that probably came close to dying because they wouldn't sign the debt contract or let any of their family sign it for them (even for a tenth the usual rate I charged) so I refused to heal them. Uh, I think they lived? I'm not sure how much Evil that counts for."
"That was overall, like a five year period of my life? I guess six if I'm counting the year of laundry wizardry and scrivening."