It’s his imagination. this is the point in the story where macbeth is starting to experience paranoia (and almost insanity). banquo’s “ghost” is a creation from macbeth’s conscience that is sending a message that macbeth maybe shouldn’t have killed him.
They both promised fair to grow up as rude as savages; the young master being entirely negligent how they behaved, and what they did, so they kept clear of him.
He would not even have seen after going to church on Sundays, only Joseph and the curate reprimanded his carelessness when they absented themselves; and that reminded him to order Heathcliff a flogging, and Catherine a fast from dinner or supper.
Hindley in a passion told us to bolt the doors, and swore nobody should let them in that night.
Answer:
I think the main idea is A because they keep on talking about paying off debt and how it is foolish to do stuff if you haven't payed off debt.