It is rude not to pay back a debt.
Jill and James are at the bank cashing their paychecks together, because James owes Jill money.
James wants to go on a shopping spree after the bank trip.
James pays Jill back and asks if she would like to go shopping with him.
James tells Jill that his check is worth far less money than it is in reality, and asks to pay her back next month.
James and Jill go to the mall together and shop for the best deals and clearance items.
James goes to the mall to go shopping but bumps into Jill there, making her trust him less.