It's the same thing as March Madness but instead of having a bracket for basketball you have a list of people you owe money to. And the list, my friend, is getting longer. Everyday you wake up in a panic sweat of frightening chill and look up at the list that's been hammered to your wall with a giant Christ-killing nail, and you see the names of everyone you've fucked over, all the favors that became debts because you slowly turned into "that guy" who isn't anyone's friend anymore but still exists just enough in your personal life that you feel uncomfortable not helping him when he's clearly struggling. Your basically a homeless person whose still living in an apartment, but hanging on by the thinnest of threads. A plastic saw could chop that thread to pieces. The gentlest wind would send it off. It's not possible... it's been so long since you've seen numbers stay in your bank account. And let's be honest, you probably could've paid those debts off by now, but goddamnit you're so-goddamn-fat, and it takes a lot of money to keep that going.