The imposter subbing in is a nice approach. I think it is great you want to work with this story -- really rewarding for the player, esp if it comes as a surprise.
Maybe: The PC is now a wanted criminal, for breach of contract, and their family is in debters' prison. The player has chosen their future, but loved ones are incarcerated because for breach of contract. This leaves open a response that is violent (prison break!), diplomatic (appeal through the courts), social (appeal to the finace's family
This of course can be combined with the suicide or the doppelganger.
Maybe: The PC is now a wanted criminal, for breach of contract, and their family is in debters' prison. The player has chosen their future, but loved ones are incarcerated because for breach of contract. This leaves open a response that is violent (prison break!), diplomatic (appeal through the courts), social (appeal to the finace's family
This of course can be combined with the suicide or the doppelganger.