Well, it could be about a character having to repay a debt in the wizarding world. Maybe they owe a magical favor, like a spell or potion ingredient, to someone else.
The unique concept of 'debt' in it. In the Harry Potter universe, there are so many things that could be considered debts, like a life - saving spell creating a debt of life. This fanfic might focus on these and make them central to the story.
I'm not sure specifically as I haven't read this particular fanfic. But it could be Harry himself if the debt is related to something from his adventures. Maybe he owes a debt to Dumbledore for all the guidance he received.
One interesting plotline could be how the characters deal with the complex nature of goblin debt. For example, Harry might find himself in a situation where he has to repay a debt to the goblins in a unique way, perhaps by using his magical skills in a task that benefits the goblin community. This could lead to a series of adventures and new relationships with goblin characters.
In Harry Potter fanfiction, 'the debt of time' could refer to various concepts. It might be about a character owing something related to time, like a debt of time travel, where actions in the past or future create obligations. For example, if a character goes back in time and changes something, they may incur a 'debt of time' that has consequences in the present or future of the fanfiction story.
The 'Debt of Time' in Harry Potter fanfiction could refer to a plot device where a character owes a debt related to time. Maybe a character has used time - traveling magic and as a result, has to pay a price, like fixing the timeline or facing consequences due to the changes they made. It could also be a more metaphorical debt, like a character feeling obligated to another because of past events related to time in the wizarding world.
Maybe it's a new character, a foreign wizard who got into trouble in the wizarding world of Britain. Harry saves this wizard's life, and when he calls in the life debt, the story could take a romantic turn as they explore each other's cultures. In the lemon part, it could involve some passionate encounters as they get to know each other better.
Harry Potter himself is often a central character as he's likely to be the one dealing with the goblin debt. Hermione Granger would also be involved as she's very knowledgeable about magic and could help Harry understand the intricacies of goblin debt laws. Ron Weasley might be there too, providing his loyal friendship and some comic relief during the tense situations related to the debt.
Harry Potter himself is often the central character. Since he is the main protagonist in the original series, fanfic writers like to put him in the middle of the goblin debt situations. He has to deal with the consequences and find solutions.
In some goblin debt fanfics, the plot might revolve around how the goblin debt affects the wizarding economy. For example, if Harry's debt is so large that it starts to influence the value of Galleons. The goblins could use this debt as leverage to gain more control over Gringotts' operations in relation to the wizarding world. Harry then has to find a way to break free from this economic stranglehold.