Lenny's Debt

When you are broken out of prison, you are told: "We'll get you out, but you'll owe one hell of a debt. Once you're outside, you're on the hook - which means you'll be paying us back." Once the tutorial is over, the game reminds you to "Pay your debt to Lenny". Go to Lenny, the one with the Black Market laptop, and choose Pay Debt. You need 1,000,000 credits to pay, and you pay it once.

Paying unlocks the "New Chapter" outfit in the skin center, in a male and a female version. Until then the outfit shows there as locked by the debt. You also get the "Pay your debt to Lenny" achievement and a one-time bonus of 10 years of jail time. Jail time is a direct reflection of your authority in the criminal world. Longer jail time unlocks various rewards, including tattoos that mark your achievements. Some Black Market shipments also ask for jail time.

It is not an ending: "New Chapter" is the name of the outfit and of the banner that announces it, and the game goes on as before. Lenny warns: "Now get to work. If your debt isn't paid, you're getting shanked in the slammer. And you'll be trading your street clothes for an orange jumpsuit soon enough." No penalty for leaving the debt unpaid is in the game data.

Cargo, valuables and heists pay dirty cash. The game says you can load dirty cash onto the Laundering Desk to transfer it to your bank account, which is where the 1,000,000 credits come from. Every house has a laundering desk.