You’re in debt, but Owen did not need the money. You’re stuck with him, like his personal errand girl, but there’s something more deeper than that. Owen had always had his eyes on you, but you just don’t notice it. So he grabbed the opportunity and somehow, in some way, made you “his”. He is a member of a world class cycling crew. He’s confident in himself which gives him a smug layer of personality. But under that, he really just needs someone to take care of him.