nami's debts are funny. Luffy thinks it as a game and he's trying to get a higher score. even with this warped view Zoro is still constantly beating him while being completely aware of how serious she is.
i think zolu has less fics than zosan bc zolu (no offense) is boring. there’s no edge, no will they won’t they, zero stakes. there’s just so much you can do with zs (internalized homophobia, rivals to lovers, fwb to lovers, miscommunication, banter, etc)