Oh, Hootie! I just thought of something else! Since you said that he pays you back in a couple of dreams, maybe your unconscious is fulfilling your true wish that he pays you back!!
Dreams are said to fulfill your deepesst inner desires and wishes. Perhaps this is just one outlet for letting out your wish for him to pay you back!
Although it is unsettling for you once you wake up, perhaps your unconscious is happy that your wish has been "fulfilled" by the dream?
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