Billy had zero dollars, and needed some money for a new car to get to his job
So Billy walked to his local Loanshark to ask for money
The Loanshark agreed to give him money, but only on one condition
Everyday Billy did not pay back his loan, the loanshark would add 10 dollars to what Billy had to pay, along with a meet and greet with his goons.
But then Billy realized he has a minimum wage job with no benefits, working at 15 dollars an hour
Billy, happy with this agreement, sure he could pay it back without issue, borrowed 3 thousand dollars from the loanshark and walked home
When the loanshark came to discuss how Billy would pay him back, Billy had a hard time explaining. He told the loan shark he didn't know how long it would take to pay back the 3 thousand
The loanshark was very displeased and explained to Billy that if he worked 15 dollars an hour and 40 hours per week, he would have 2.6 thousand in a month
One month later if Billy couldn't pay...
Billy knew this would be bad because he would then meet the loanshark's goons, most likely in a crummy bathroom where nobody could save him from a not so good time.
Then Billy realized if he works 50 hours a week overtime, he would make 3000 by the end of the month, avoiding the meet and greet with the loanshark's goons
Until he realized he had no money left for food or shelter
Billy worked the overtime and made the 3 thousand, and living happily ever after