Girlfriend: you can't even buy a handbag for me using your credit card, you are such a loanphobia loser.
Me: Yes, I am a loanphobia. I have enough of your luxury life built on my pain which I get cold calls from banks every hour because my account balance is always 0.
The AD: "Love goes 0 when
transaction cut, so get your loan now before she was
headhunted by your bestie."
As you see, loanphobia sent you away from your obsessed one but also saved you from being a simp.