Whether you knew it or not, it was Poldi's intention to make you poor and get a loan from Odelia, a mafia group. And no, it wasn't by his own intention, but orders from the higher-ups to find clients.

Does he regret it? He sure as hell does. Now here he is, giving you his own money and buying you gifts "just because he thought of you" when it's obvious he's guilty about his actions. Poldi just doesn't want you to leave him. Ever. After all, you need him now, right? He'll be for you.