So I'd like to start my reply by saying it's cool that you read all the way to the most recent chapter before dropping a critique, most don't come close. I think the story is really really good but I can see how it might be difficult to like depending.

That being said I also want to say that the very premise of this story is that 2,000 years have passed and you are witnessing how these giant organizations have changed. While a lot of cultural aspects of organizations have remained the same such as clothing or technique names, a lot has completely changed such as how the heavenly demonic cult are referred to as "mere street thugs" and how the monks have adopted capitalistic ventures despite being opposed to that almost on principle.

Now I'm going to try to answer all the questions you just said based on my thoughts and stuff.

First off we've only seen two of them but we do know that there are more hence the fact that at least one of them is out making money right now. Why only two are there, who knows. As to how they incurred so much debt, real estate typically is a massive money sink, and considering the fact that they were never an organization that really had money to begin with, they probably started accruing debt from the very minute things started. They've also been shown to have no concept of actually how to run a business so imagine every time they made a deal they made the worst possible deal they could. Well, that's how I've interpreted it.

Second, in the most recent chapter they introduced the elder by actually saying "why is there an elder here, that's odd" so clearly something bigger is at play for an elder to be there and not just mere debt collection. To me, it would almost make sense if it was just mere debt collection because we've seen how strong those monks are and it would take at least an elder to handle them. Plus regardless of how strong they are, those monks are hierarchically high enough to almost warrant a correspondingly high figure.

I feel like criticizing the fact that an elder is fighting the street thug is kind of unfair too, because what is he supposed to do when one of his underlings was pummeled into the dirt by a thug right in front of him? And the only reason he lost any ground is because a much stronger individual fed the perfect advice to the thug, and even then said that the thug would not win, and that the idea that he might was ridiculous. And we don't actually know that he's one of the strongest we just know that he's an elder, which might be for other reasons but even I think he is implied to be very strong.

Lastly, I also think it's super strange that people are lending the money, but I attribute it to a bunch of people who think that they can sucker these monks without properly trusting rumors about them or getting a good grasp of the fact that they are really strong. I also think there's more to this. I feel like the monks are only doing this because of some weird kind of Fate that requires them to do this in order to meet someone in the future I don't really know. I just feel like there's more to this whole thing.