Can you say, instead of:
"With this loan, you'll be worse off in the end"
"With this loan, you'll be worse off in toto"?
"In toto" means "as a whole" or "totally", but I'm not sure if the second phrase retains the meaning of the first phrase.
Thank you in advance.
It doesn't to me- in the end suggests that the loan will become increasingly less favourable over time, which is lost.