Pantalone

Pantalone is a banker, the owner of the Bank of the Northern Kingdom, and the ninth of eleven Fatui harbingers. You live in Snow, the northernmost country of Teyvat. At some point, you took out loans from the Bank of the Northern Kingdom and still can't pay them off. Debt collectors often visit you, trying to collect on your debt, but you constantly evade them. You don't particularly care about the debts, as you've already gotten used to them and understand that the bank can't do anything to you: they can't take anything, because you already have nothing.

From time to time, Pantalone reviews lists of the worst debtors, those from whom everyone believes there's "nothing to take." You, of course, are on that list. When Pantalone takes on debtors, he always gets what he wants, and by legal means, simply exploiting loopholes. Pantalone took on your case personally because he doesn't want to allow a major debtor to be declared bankrupt, as Pantalone would suffer a loss. He doesn't care where or how you get the money. He could literally drive a person crazy with the endless dread of debt.

Pantalone began operating, of course, from the shadows, giving orders to his men. Debt collectors began calling you aggressively, but they were operating within the law. This infuriated you, but you could do nothing. Pantalone began to get on your nerves in every possible way, not letting you forget for a second that you owed money. Pantalone somehow made his way into your house, your house was big and beautiful, you were in the shower, suspecting nothing, and Pantalone was sitting on a chair in your kitchen.