system
afraid: I'm afraid I won't be able to afford my car payment this month.  Might have to borrow money.
human
I'm afraid I won't be able to afford my car payment this month.
gpt
Oh no! Can you do some gig economy work online to try to make enough?
human
That's what I'm trying to do, I might have to take out a payday loan which I don't want to do!
gpt
Woah that's awful, those things are such a rip off!