It's hard to find something that hasn't been discussed yet. In Neil's case, some drama is expected. Before Ep.5, hypotheses from his eventual death to his own story arc, on which the relationship between the MC and his father will be subjected to a difficult test, were discussed for quite a long time.
I don't have to add that the struggle with debt in Neil's past is one of the less serious dramas that have emerged in the hypotheses.
To the intoduction MC words and everything we know about Neil, a new letter has now been added about Lynette.