In some goblin debt fanfics, the plot might revolve around how the goblin debt affects the wizarding economy. For example, if Harry's debt is so large that it starts to influence the value of Galleons. The goblins could use this debt as leverage to gain more control over Gringotts' operations in relation to the wizarding world. Harry then has to find a way to break free from this economic stranglehold.
A really interesting plot could be that a goblin mate has a unique magical ability that is the key to saving Hogwarts from a new dark threat. The wizarding characters initially doubt the goblin but gradually come to realize their importance and the power of their bond.
A great plot could be that the goblin is a time - traveler. It has come from a future where Voldemort has won and is trying to change the past. The goblin teams up with Harry, using its unique goblin magic and knowledge of the future to give Harry an edge in the fight against the dark forces. They might have to travel to different magical locations and enlist the help of other magical creatures.
One idea could be that the Head Goblin discovers a long - lost magical artifact hidden deep within the vaults of Gringotts. This artifact has the power to change the balance of magic in the wizarding world. Another could be that the Head Goblin forms an unlikely alliance with Harry Potter to protect Gringotts from a dark wizard who wants to steal all the gold and magical items stored there. Or perhaps the Head Goblin has a secret past related to Harry's family, and this connection unfolds throughout the fanfiction.
One plot idea could be that the Goblin King has a secret alliance with a dark wizard that Harry and his friends have to uncover. They might find out through a series of mysterious events and clues left in Gringotts. Another could be that the Goblin King decides to rebel against the wizarding world's control over goblin - made artifacts and starts a movement for goblin rights, with Harry caught in the middle as he tries to maintain peace. A third idea is that the Goblin King discovers a powerful ancient magic that could change the balance of power in the wizarding world and Harry has to either stop him from misusing it or convince him to use it for good.
Harry Potter himself is often the central character. Since he is the main protagonist in the original series, fanfic writers like to put him in the middle of the goblin debt situations. He has to deal with the consequences and find solutions.
One interesting plotline could be how the characters deal with the complex nature of goblin debt. For example, Harry might find himself in a situation where he has to repay a debt to the goblins in a unique way, perhaps by using his magical skills in a task that benefits the goblin community. This could lead to a series of adventures and new relationships with goblin characters.
A really interesting plot could be that the life debt is not just about saving Gabrielle's physical life, but also her magical essence. Harry then has to take her on a journey through different magical realms to restore her magic, all while facing various challenges and making new allies along the way.
Another plot could focus on the lives of the secondary characters from the original series. For example, Neville could be the head of Herbology at Hogwarts and discovers a new, dangerous plant that has some sort of connection to an ancient magic. The 'carry on fanfic' could then be about how he and his students deal with it, with some cameos from the main characters.
One idea could be that a dragon escapes from Gringotts and Harry has to use his skills to track it down. Maybe the dragon has a special connection to a powerful dark magic item that Voldemort was after.
One idea could be that Voldemort somehow enters the Runescape world to seek more power. Harry and his friends follow him there to stop him. They have to learn the rules of Runescape quickly to be able to fight Voldemort. Another idea is that a Runescape wizard discovers a portal to the Harry Potter world and brings some of the unique items from Runescape, like special runes, which causes a stir in the wizarding world.