抛开所有这些，我真的不认为你应该把钱退还给银行。
In spite of all this, I don't think you should give the money back.
我一直认为应该把钱花在嘴的方面，如果你嘴上说旅行很重要，但实际上你把更多的钱花在吃、买上，好吧。
I always believe that you put your money where your mouth is, so if you say that traveling is important but you actually spend more money on eating out or shopping, well.
我是不应该哈着腰说：'先生，上个礼拜三您啐过我，又有一次你把我叫狗，为了报答您的客气我会借给你钱。
Shall I bend low and say: Sir, you spit upon me on last Wednesday, another time you called me dog, and for such politeness I am to lend you money.
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