You shouldn't act like an asshole.
Ron lets Cheryl borrow some money during tough times, and later gets annoyed at something Cheryl says.
Ron wants to respond to what Cheryl said.
Ron tempers his annoyance and tries to approach the discussion from a difference angle.
Ron brings up the loan and rubs it in her face, even though it's unrelated to the current discussion.
Cheryl understands Ron's perspective, and they're able to reach a deeper understanding about the discussion.
Cheryl gets upset and feels guilty and stupid for ever taking the loan in the first place.