“BORROWING means I’m gonna see those five dollars again, and you don’t look like a borrower. Am I right ?”
she’s just waiting to see what leverage can get from GIVING AWAY five dollars she could (e a s i l y) get back from asking a random old white guy downtown.
“i’m aware of what i’m SIGNING UP FOR. you’ll get your money back, this is merely a loan.”
the longer this goes on, the more RELUCTANT he is to carry on. it’s creeping closer and c l o s e r to LIE territory if he doesn’t follow through.