It's unacceptable to not repay your debts.
Lori borrowed twenty dollars from Pete last week and is getting paid today.
Lori wants to buy herself a dress.
Lori pays Pete back, pays her bills, and gets a dress at the local thrift shop.
Lori spends her entire paycheck on rent and on one dress, leaving nothing to repay Pete with.
Lori feels at peace and Pete is thankful to Lori for getting the money back to him.
Pete is frustrated with Lori and says he won't lend her money again after she repays him.