Or if you buy something with your own money on the premise someone else was going to buy it from you but you get stuck with it because they don't hold up their end of the deal for whatever reason such as fear of getting caught etc
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Yeah, that's possible too.
What makes me think it was a loan default rather than a purchase default is this: if someone bought something, he would still have the inventory, so it's not a total loss. In a loan default, the lender takes a 100% bath, a really brutal financial loss.
I think monetary loss and revenge are the two primary factors, with the Christmas holiday weighing in to a lesser degree.
My guess is the lender was getting increasingly impatient and frustrated and this had been dragging on for quite a while, at
least several months of receiving not even a penny. I think a deadline of December 23rd at midnight was given or may have even been an unspoken deadline in the lender's own mind. For a lot of people, Christmas shopping is one of the biggest financial expenditures of the year, and the killer may have been counting on that money in order to have what he considers a decent holiday. He needed the money by midnight on the 23rd in order to have just one day of Christmas shopping and, for him, the Grinch stole Christmas. If he was at the mall and saw the\a borrower buying something expensive for the girl while the lender's own mom had to do with less, and while he isn't getting even a penny repaid on the loan, that could've been very provocative. The final insult. The final straw.
If it doesn't have to do with drugs, I think people will be really surprised when they find out who did it. My profile of the killer (if drugs aren't involved) is:
*Male
*Christian parents. Christmas is a big deal at his home. Plenty of gifts under the tree.
*From an upper middle class family. He had enough money to loan, but is still on a budget.
*In his 20s. Young enough to be naïve enough to lend a large amount of money to an acquaintance, but old enough to actually have it to lend.
*Single, no children. A wife isn't going to let a husband lend money like that, for starters. The money would've been in the kid's college fund instead of available for discretionary BS like loaning money to friends.
*Very, very good at saving money and misunderstands people who can't save money. People in debt are usually addicted to spending. They're addicts. But he can't relate to that and can't even wrap his mind around that concept. He didn't forgive because he didn't understand. If he did, he wouldn't have lent the money in the first place.
*A quiet, bookish type who did very well in school.
*A very, very small circle of friends.
*A schizotypal personality: everyone knows he's eccentric, but nobody realizes he is capable of performing a triple homicide.
*Very polite.
*Rarely complains verbally and rarely displays anger in public, keeps it bottled up and this time it finally exploded.
*I think his politeness, his academic excellence, and his outward calm made him seem like a convenient person to take advantage of. He was misunderstood because he's so quiet, so two-faced (the face he shows to the public, and one behind the veneer). He wasn't the person they thought he was. Even now, after three murders under his belt, he's still the unfailingly polite quiet guy.
*Very impatient. He could've done it at a better location, but he had to do it right then and right there. He didn't have it in him to wait.
This is all just a hypothetical guess. I'm not saying any of this actually happened.
