The narrator explains that the body found on the street is that of Kim Hyunsoo, the "most evil loan shark" in Korea. He tells the narrator that he took care of the body and that he will pay the loan back with interest. The narrator tells the story of how he was forced to leave his wife and raise his daughter alone after his workplace went bankrupt and he had to quit his job. He opened a coffee shop to make ends meet and he borrowed money from the bank.