There are many congregations even here in the United States that struggle to pay their bills and did not have a mortgage on their Kingdom Hall when the debts were dropped. You have JW's that feel they are giving their time and they don't give much of their money, which they don't have much of anyway.
The money grab was huge, admittedly. But I wouldn't be surprised if the monthly payments plan is a bust. Say that two different people in a congregation that had a big mortgage feel some sense of relief that the debt is cancelled and stop struggling to donate their $100 a month and switch to $10 a month. That congregation now has $180 less per month to send in. Now add in a few dubs leaving the religion and a few dubs losing their jobs. This scenario is likely repeated across the country.
Leave the United States and the story will be worse for them.