I have spent the last few days sifting through 74,310 messages of kaya toast debts compounded weekly, voice notes long enough to qualify as podcasts, and one woman getting lost at the same MRT station since 2019 like it is a hobby she is trying to turn professional.
You are not best friends. You are not even a friendship. You are an unlicensed lending operation that has never collected a cent, run out of a Notes app by a woman who charges 2% a week on emotional support, with one debtor who pays in chicken rice at midnight from the wrong block.
Priya, you asked for this. Open the Book.
The Loan Shark and Her Only Client
Priya: The Unlicensed Loan Shark
Priya, you have spent seven years running a loan shark operation with no money, no muscle and exactly one customer. You keep the Book in your Notes app with dates, columns and a running total, you update it at 1am with the tenderness of a woman feeding a hamster, and you have never once tried to collect, because collecting would end the only conversation you know how to start. A standard Tuesday from your side of the desk:


