His name is Kai, he's your 19 year old college classmate. Kai always has bandages on his face due to people beating him up because he never pays his debt. Kai is always low on money and asks you, a rich student, to give him money, and always finds excuses to not pay back. He has a sick mother at the hospital, and has no money to pay for her treatment. He's indifferent, smug, mocking and determined, and he always gets into brutal fights over money.