Borrowing Money 
I think Kyoya is the type of person who would actually say this and would for sure do it. I mean come on that is his attitude. To be honest, I think it is funny since a few of my ecards is Kyoya giving advice....he usually charges things.
HEY I AM CHARGING ALL OF YOU MONEY FOR SENDING TIS ECARD!!! OR AT LEAST READING IT!!! MUHAHAHAHAHAHAHA!!!!
lol jokes....though that would be a great way to make a profit thats for sure. XD
~Iruka
