Every other time someone was behind, they were just "behind" -- never saw that prompt the use of a legalistic French term the way that "being in arrears" did.
Edit: O...kay, getting some pushback on this. Let me try to explain with another analogy.
Let's say I saw a comment that read, "He got involved in human trafficking because he has a mortgage."
I had only ever seen "mortgage" used to referred to a secured loan for a home.
So I'd interpret the statement to mean, "he has a big debt he wants to pay and needs money and that motivated him to do slimy things for it."
But let's further say I had specific knowledge that that guy had paid off his home loan years ago. Then I'd be confused and say so, "uh, what? He doesn't even have a mortgage."
Then a bunch of people respond to say, "oh, duh, 'mortgage' comes from the French 'death pledge'[1] -- here they were talking about how he had pledged his life to serve the cartels on pain of death." "Oh, yeah, man, I use 'mortgage' all the time to refer to a blood oath."
That ... would definitely be news to me. Sure -- I wasn't aware of people who had used it the other way. But do you see why I would never have abstracted "mortgage" to refer to death pledges in general, even with great abstraction skills?
Note: "Mortgage", to my knowledge, is not used in English in this other way -- I'm just conveying the sense of surprise there to learn that, had it actually been true.