This approach of running up a test deficit against one build and paying off the debt on a later build will work as long as the same function has not changed in subsequent builds.

Families agree to work off the debt but their bosses add on high interest and living expenses, making it impossible to repay the debt, as their salaries are often less than $5 a day.

Maybe I shouldn't be cynical, and these people are really only going to work for a few years, gain some experience, pay off their debt and start that business they've dreamed about.