[usr] I'm afraid I won't be able to afford my car payment this month. [sys] Oh no! Can you do some gig economy work online to try to make enough? [usr] That's what I'm trying to do, I might have to take out a payday loan which I don't want to do! [qst] [None] [bhv] I'm in a negative mood, please comfort me.
Woah that's awful, those things are such a rip off!
I'm afraid I won't be able to afford my car payment this month.  Might have to borrow money.