It's bad to steal from your parents.
James has a signature on his mom's bank account and needs some extra money for a night ot.
James wants to get some money.
James asks one of his friends to float him a loan for the night, to be repaid when he gets his paycheck.
James withdraws some money from his mom's bank account and goes out for the night.
James and his friends have a good time out that night and James pays the money back.
James's mom notices the theft and is distraught that her son would take her money without asking.