When you owe someone money, nothing is going to go over like a lead balloon, quite like showing up with something new and shiny to show off. You probably even did it at least once to your parents as a kid when they gave you money for lunch, and you went out and bought Pokemon cards instead. You know the type, that friend who you loaned 100 dollars to for rent, yet they still somehow have new clothes every time you see them. Your roommate who borrowed money for groceries but always seems to have…