You look down at your still-naked body. Surely you could do some heavy-lifting or bodyguarding for a few days or weeks, and that'll be enough for a new cow. Maybe if she allowed looting or adventuring (was that a thing i this world?), it would be done with in mere hours. "Yes, I agree with paying for a new cow, but how?"
"I'm glad you asked." Suddenly, her hands flared purple once more and she pressed them into you overly-full gut of cow meat. "Hear me, Daisy. You had a lifetime of work left to fulfill, and I call upon you to obey this obligation!"
"What a-Ahhh!" The meat in your stomach started to fluctuate and pulse moving in ways that felt completely foreign. You imagined this would be what it felt like to eat an rather sizable animal alive. The meat seemed to grow heavier, pressing past the walls of your stomach to reach the scaled flesh of your underbelly. Your gut began to bulge outward, continuing to gain weight from seemingly nowhere as your body demanded the meat stay within you, and the meat demanded it be let out.
This built into a blazing heat among the most drastically affected scales as they were forcibly spread apart by your gut's rapid growth, which already hung to nearly between your legs. The flesh went from its shade of purple into a brighter hue of pink, until the scales melted away entirely. Yet, the heat continued to build as it pressed to distance itself ever further from your torso. Moments later, the pain began to focus into four random places along your distended stomach, each burning briefly before going numb.
"There we go, I believe that's a fair compromise."
You looked over your mutilated, massive gut, feeling it with your clawed hands. Its skin was now extremely tender to the touch and it gave easily when you prodded a digit into it. The growth slapped the lower half of your thighs as you stood up. It fought to take space between your legs, but it was too wide to reasonably fit.
You took a careful step forward, and were nearly put off-balance by how much the growth swung counter to your movement. You could also feel a worrying slosh of something within the mass, and it certainly wasn't your meal. As you fondled yourself further, you realized what she had done. She'd caused you to grow a cow's udder!
"You made me grow an udder?!"
"I said I needed that cow, and that cow was for milk. Not enough milk means I can't pay tax, so you will be filling in for that cow until you pay for your replacement. I've modified as little of you as possible, so you can still find other ways to secure the funds. And if you can't find other ways, you'll eventually make enough milk to pay yourself off. Just come back once a day to be milked and you'll be free in no time. I think that's more than fair."