The item (if found, need roll for it) costs 1,500gp. You said you have 500gp right? So need loan 1,000gp from others. SO you buy the item and it's yours to use, and thus you owe others 1,000gp what you loaned to get the item.<br/><br/>What is difficult part to understand from above :P<br/><br/>For five nice towels, 1gp is enough.