It is important to be grateful for generosity.
Neil has just finished handing Todd the money for a loan that Neil is giving Todd to pay off the bank.
Todd wants to tell Neil he's going to pay off the bank today.
Todd takes the money from Neil and thanks him profusely then tells him he can finally pay off the bank and is going to do so right away.
Todd takes the money from Neil and says that has to go to go deal with the bank right away.
Neil is happy that Todd was thankful and is glad to see his friend off to deal with the problem right away.
Neil is annoyed that Todd isn't thanking him or even looking very relieved about getting the loan.