What's happening to me, which i believe may have something to do with the Fetish UI, is that first death = 6%. I had no debt prior, even if I was jumping off a cliff, 6%. However, the mechanics behind it are probably normal since it will dissolve as a normal .7% or 1%. Another example would be in a group/situation we all start off with no debt, after we all expereince 3 deaths I have 9.3% debt, the others 3.3%.
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