What the official listing confirms
Steam says paying bills grants legacy points used on rings and bracelets after declaring bankruptcy.
Use this as a controlled first-session test
Compare the same early-run checkpoint before and after one permanent upgrade.
- Record legacy points
- Choose one permanent item
- Declare bankruptcy
- Replay the same checkpoint
- Measure the difference
Keep the answer current
Bills Must Be Paid can change after updates. Verify patch-sensitive values in the current build and record the date before treating a route, build, or requirement as permanent.
Local tracker