Another embodiment of a concept - now we have Debt.
A sulking creature fueled by misfortune and greed, it lures people in with promises of quick fixes. It constantly feeds until its victims are too hapless and chained down to do anything, at which point it tends to devour them whole, crushing them mercilessly.

... and yeah, it's a combination of at least 3 animals, prolly more. I'll clean him up later.

May's well take suggestions for other embodiments if you want me to tackle them. I may or may not do it (time/interest depending)