It's wrong to not repay others.
Steve didn't have enough money to make ends meet, so he asked to borrow some from his friend Tom.
Steve wants to budget for his necessities, so he doesn't come up short again.
Steve budgets his money carefully, including what he owes Tom, and pays him back.
Steve makes out a budget, but he forgets about the money he owes Tom and doesn't pay him back.
Tom thanks Steve and says he was happy to help out.
Tom asks Steve for the money and says that he wouldn't have lent it to him if he'd know he wouldn't repay it.