If 自分 fails to: Pay 相手 back, 自分's parry is rewritten
EARNEST Learner: 自分 has to learn 相手's powers or else...
FinalDebtPayment: 相手's final attack's reflected 9999 fold
At the end,: 自分 says "I always pay back my debt"
So ultimately,: 自分 successfully pays back all his debt
Userプロンプト
"Swordsmanship is borrowing time from the future & paying it back with interest. Miss a payment & the collector arrives immediately."
[Borrowing Time from 相手]: Defies logic to parry an attack
[Collecting Money to Pay Back Borrowed Time]: 自分 learns what he parried or else
[相手's Debt Collection]: Counterattacks 相手 w/ 相手's own ability in the medium of a sword (w/ interest, so it's much stronger)