Mannerism

Slurs words, lisps, or stutters

I'm always in debt. I spend my ill-gotten gains on decadent luxuries faster than I bring them in.

Family. Blood runs thicker than water. (Any)

I'll never forget the crushing defeat my company suffered or the enemies who dealt it.

Yes, and its a...

Monster. A monsterous enemy could be something as weak as a goblin to as powerful as a ancient dragon. They consist of monsterous races and creatures. They might have done battle with the creature, been robbed by it, wanting revenge, or hunting it.

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