Deto Deto no Mi

The Deto Deto no Mi is a Paramecia-type devil fruit that turns the user into a **Debt** **Human.** The fruit allows the user to give out, manage, and collect on debt.
This fruit was first eaten by Trisk "Avaritia" Archibald

## Etymology

'Deto' comes from a shortened version of the occasionally used loan word for Debt in Japanese, though incidentally it sometimes also means Dead :/

## Strengths and Weaknesses

The main functions of this fruit revolve around the following:

1.) Providing tangible funds that are to be repaid after a given time

2.) A contract detailing the exact terms of the agreement for payment and repayment. It MUST be signed by both parties involved

3.) Any interest tagged along the debt MUST be repaid alongside the full payment (prior to interest-rate)

4.) Debt unpaid will automatically audit the debtor and store their possessions are collateral by market value, or potential market value

-This fruit CANNOT forcibly enact a contract. Both parties must be mentally willing to enter into the contract

-This fruit CANNOT be used to generate funds without the existence of a contract (Cannot simply create money for nothing)

-This fruit CAN store an effectively infinite supply of collateral, which can be withdrawn from the user outside their body upon collection, or held indefinitely. These collateral goods can be automatically transformed into tangible currency at the whim of the user, or can remain in their actual form while being held. If an object is taken out of the user, so long as it remains under the guise of "collateral" they can re-deposit it into their body.

-This fruit CANNOT reconvert cash into an object formerly used as collateral once it has been converted.

Aside from the rather simple to understand terms of the fruit above, it has two additional functions of notable significance.

The first is "Money = Power" (More like, Profit = Power, though)
The more amassed wealth the user has accumulated via their repaid debts w/ interest, or claimed collateral, their base physical capabilities increase at a % rate proportional to 1/4th their total % of profit. If the user were to loan, for example, 20 Bellies with an interest of 25%, upon repayment of that their base physical capabilities would be, by having a total profit of 5%, their physical capabilities would be raised by a modifier of 1.25%. It should be noted that this ability only works off of profit from the contracts and interest themselves, and even though the original cash can be generated by the user, even if it would be returned as a total cash value much higher than 0, they cannot gain from the value of the money acquired, only the profit.

The second is "Indentation"

If one cannot repay a debt, nor has the tangible assets to use as collateral towards the repayment, or if their total amassed funds AND assets together cannot foot the debt they have acquired, the user of this fruit can make them an **Indentured Servant**. Under this, they who failed to repay their debt must work for the user until their value from labor breaks even with the debt they owed. Once indentured, it is extremely hard to get out, especially since the interest rate dictated within the contract will continue to accumulate a higher payment even while one is indentured, as the contract still lays unfulfilled.
The debtor can attempt to persuade the user of this fruit into mitigating the interest during their labor, however that decsion would be entirely at the user's whim.
While under this, the indentured cannot by any means attempt to nullify their contract, be it by stealing, harming, or otherwise acting in any manner of adversarial fashion towards the user that they owe. [Essentially, a glorified slave]
Some modes and methods of labor are hard to quantify into direct monetary value, and must be negotiated with the user of this fruit in order to set a value to these methods of labor.