POV character in hock to some terrible entity due to gambling too high with the mechanics of delivering cats that cause colds. Swapping apartments to dodge collections for a bit.
Nobody profits from early deliveries but they're used to show newcomers the ropes. Shouldn't get in too deep right then, implication that narrator did somehow. Local area fairly saturated with disease, hard to get out to less constrained space.
Angel that misgenders POV as female is forgiven because of having something (a name? a power of some kind) which can only be given to the debt-free and wanting to give it to them. Knows 'the Axioms' which have something to do with grief and bereavement, of which there are four.
Something about water, and a waterfall.
Scattered bits everywhere, alas. Very high concept. Suspect half of it was that
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