There were merchants such as Naokata KUSAMA and Takaoki ISHITA (Shoemon ONEYA) tried to avoid their bonds repudiated by cooperating for reconstruction of the finance of domains by advising for the reformation of a domain's governance.
また、草間直方や石田敬起（大根屋小右衛門）のように藩政改革に助言を行って藩財政の再建に協力することで、自らの持つ債権の踏み倒しを回避しようとする商人も存在した。