Am I the only one that doesn't think Harry is going to pay off Lucius as fast as possible? Unless the demands on Harry are seriously onerous this is a superb opportunity to learn about the most powerful family and one of the most powerful wizards in Magical Britain. From a story perspective, it gives Eliezer an easy way to add difficulty to Harry's life at any point and a good chance to keep writing about villains like Lucius instead of boring villains like the Jugson kid. I think Harry will end up working with Lucius to uncover who framed Hermione.