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Guys if you like a girl and you borrow some money from her, what is the one reason you wouldn't return her money on time? (Even if you have the money)

Are there some mind games behind this too?
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Oh um.

I would feel pressure to pay her back as quick as possible but I'd keep her updated on my finances as a result. and be like I have credit card debt currently and if she were like pay them first I would listen to her. But she'll get hers. Just late.