After Death Comes Debt: The Choice That Changes Mina’s Future

Chapter V shows how death and financial disaster uproot Mina’s life. After Captain Frazer’s failed investment wipes out the family fortune, his widow refuses a modest life in Scotland and chooses London instead. Despite Mr. Frazer’s plea to keep Mina at Craigmaver, she is taken south to be reshaped by city life. The chapter ends with Mina’s emotional farewell, marking the end of her childhood freedom.