text: Erin: hey nick, could i borrow some money from you?
  Nick: mmm, they say you should never lend money to your friends
  Erin: why?
  Nick: because it may ruin the friendship
  Erin: that's nonsense. i'll pay you back
  Nick: ok. how much do you need?
  Erin: enough to buy a new pair of prada shoes
  Nick: what for?
  Erin: nothing specific, i was shopping online and saw them and fell in love with them right away
  Nick: i thought the money was for an emergency or something important
  Erin: shoes are important
  Nick: mmm, no they are not
  Erin: come on! does that mean you won't lend me the money?
  Nick: sorry friend, i can't lend you money for shoes
target: Nick won't lend money to Erin for Prada shoes.