Specifically, grape farming. You can pay off the debt in a few days without ever going into a dungeon by selling the initial objects you start with and starting a grape farm. Each grape farm, when worked, produces many thousands of grapes per day, which then sell for 2 zorkmids per grape to the alchemy shop.
You could divide the number of grapes you get per day by 10 and it'd still outpace the rate at which other types of passive income generate value by like double.
By just starting a grape farm, I was able to pay off the debt in 9 days over 23 irl minutes. I'm sure a speedrun could get it much faster.
Other types of farming are probably also too profitable - you make more money farming a greenhouse and then selling the resulting vegetables made by 1 laborer than you do having 5 miners mine, selling all the stuff they get you and then pressing the gold they get into fake coins, and also more than you would having 4 mages harvest crystals every day, despite both of those requiring way more setup and requiring paying many more people.


