I'm gonna call some issues in this...just cause reddit stories have ruined me lol.
One...what did she really do to get that money from him...cause I was gonna believe it until she said they had steady income and was simply paying him back...why get all dressed up once a month and go to a fancy restaurant, just to pay someone money back not only that but you go as far as hiding this from your husband by saying it's just a delivery yet you leaved all dressed up.
This man is John Martson whose wife even at the end of the game where you have a house...she still goes out and cheats...the cutscenes where she leaves dressed all nice for work..go to her job and it says gone fishing on the door...
The second one was when the dude stood there to get hit, giving someone money out of kindness wouldn't have you going around that person's back with their wife once a month to get money back that you gave them out of kindness of your heart and I've met many men who have secretly given money to a friend who needed it and they never avoided them afterwards with guilt on their mind.
These two feel guilt for a real reason and that's cause she slept with him and he gave her the money for the one night...and now they are meeting up once a month cause they still do it. Why...cause she never even gave him the money while they sat there...not once...so she is most likely paying back with her body...
Sorry dude but you're just wrong
About the clothes was probably the dude exaggerating since he was drunk, because as you can see on this chapter she is
literally using the same clothes she was using on chapter 1
About the debt "she never gave the money not even once" you're literally lying lol. She said "the store has now a steady income, so she is meeting every month to repay", which means they didn't become rich but now have enough to pay a little every month
As we saw on the previously chapters the dude is very prideful that wouldn't accept "charity" that easily and the friend knowing that, knew he wouldn't accept that amount of money easily
And of course they felt guilty, on the dinner scene it basically shown how they are feeling guilty
for not telling the truth about the money and the debt
The friend had his life saved by the dude, for him that's a debt for life but he knows the dude is kinda prideful and don't want him to think he is just "sorry" for him and that's why he gave the money
And the wife literally dissappear of the chapter when they go to Ell's restaurant, like if it was cheating she would have at least some kind of focus, but she didn't have because the focus was on the 2 friends relationship
All I can say is that what we get for reading much hentai lol. Well to be fair you said reddit, and tbh people there love some exaggeration and of course most of the stories there will be about bad situations (like cheating) because if it was a good situation why even bother to post there