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ReverieMom's IOU"Money! But at what cost...?"Passive item
-3 luck.

Fills Isaac's coins to the cap. However, Isaac is now in debt with 20% interest.

Isaac pays 20% of the principal for the debt at the start of every floor. If there are not enough coins, a random item will be taken away, valued at 15¢ each. If there is still not enough money, hearts will be removed, valued at 3¢ each. This can kill Isaac.

When Isaac pays off all debts, this item disappears.
This item contributes towards the Yes Mother? transformation. Collecting 3 items from this set will give Isaac a stationary knife that trails behind him and deals 2x contact damage.
Costs 1¢ when found in a Shop.
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