The narrator tells us that paying off the debt is the only way to win Little Em'ly's love. He says that he's going to work hard to pay it off, and that if he has any future financial problems, he'll tell her. The narrator is all, "okay, you have said it!" . He's totally fooled by Cai Ming's lies. Cai Ming is totally not like him, and he doesn't even have the money to pay back the debt. He tells the narrator that he can't blame him for being "ruthless" , because he wants to "meddle" in the business of other people.