Familiar debt

When a new character is created, the creator has an option to start off with a Familiar for that character. However, the point price for this familiar will be made into a Debt that the poster must pay off whenever they post. Point gains will be halved, half going to the Bank and half to the debt, until the debt is paid off.

If a post's points are an odd number, the greater sum goes to the debt, meaning that to put anything in the bank when paying off debt, you must make your post be worth at least 2 points.

Examples

 * Bob has a debt of -10 points. Their post is worth 5 points. 3 points go to the debt, and 2 points go to the bank. Debt: -7 Bank: 2
 * Bob has a debt of -1 point. Their post is worth 4 points. 1 point goes to the debt, and 3 points go to the bank. Debt: 0 Bank: 3
 * Bob has a debt of -10 points. Their post is worth 2 points. 1 point goes to the debt, and 1 point goes to the bank. Debt: -9 Bank: 1
 * Bob has a debt of -10 points. Their post is worth 1 point. 1 point goes to the debt, and nothing goes to the bank. Debt: -9 Bank: 0