Just seems like the imagery of paying off the “debt collector” at very short-term intervals is like something out of the GodFather where he offers “a deal you cannot refuse” along with a Tony Soprano chassid showing up at your doorstep to demand payment. The implication is more goiyeshe where the assumption is you will be a regular sinner and have a regularly scheduled “confession” except is comes on erur rosh chodesh rather than Sunday AM
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