How it works
In the made-up town of Reed Bend, Jun owed a lender thirty coins, and the lender added one extra coin for every full ten owed. Lots of people owe, which is very ordinary.
One month a leaky roof took everything Jun had, so nothing was paid. The extra joined the pile, so next month there was extra on the extra. That is why it is called a spiral.
A spiral is no failing. It is just a pile that grows when little is paid.
Ro said to talk to the lender early and make a plan. Paying at least the month's extra stops the pile growing, and paying more turns it back.