Realistically, nobody would be dumb enough to make a deal like that. I've read too many stories where events like this are lorded over the main characters' heads for far too long. It leads to nothing but frustration.

I stopped at around 80. Too many dumb things happen not to mention the CONSTANT POV changes thought the story. How are you supposed to focus on the story when every other chapter is about different characters that have literally no impact on the story as it is now. When the mc made an absolutely insane deal I just couldn't read anymore. Who in their right mind would make a deal where he owed an open ended favor to not just 1 person, but 4. The worst part is that what he got in return was nowhere near worth it. The story had my attention at the beginning but just got more difficult to enjoy. The story is probably good but it hit every little thing that I hate to see in a novel.

How does this fantasy wizard dude know what an ATM is?

Was great till I realized just how much money it would take to read the entire thing. Back when I was only at around chapter 1000 I'd already spent over $200 on coins. That's just unacceptable. Sure, I'd spend that much on a really good book series but ONLY if it was properly edited AND I had a physical copy. The story itself is good even if it contradicts itself a lot and has a ton of loose ends. It's pretty much impossible to keep track of all those threads when the author has so much to keep in mind.