I immediately love the color that permeates the film which are often seen on the clothing of all the characters, especially the debt collector Bo wonderfully played by Bright Vachirawit who disappears into his character that puts on brightly colored shirts to collect the interest due from his debtors. I really like that this story isn't just cut off at 90 minutes, the 2 hour runtime is put to good use really exploring the character dynamics of Bo and his various relationships. Bo and Im played by Yaya have fantastic chemistry as the relationship that's the heart of the film.

Bo is such a fascinating character, he didn't finish high school and he is capable of violence, but he's also creative and can think outside of the box to get his job done in unorthodox ways. He intimidates by his signature move of striking himself bloody on the head and later either finds jobs or gets more business for the people who owes money to pay their dues. He leaves their lives better than he found it. With Im , he tracks her down to her banker job where she gets suspended probably for making a scene that scared all the customers, so he comes up with a interest forgiveness system where he'll use his own money to pay off her interest depending on the scale of activities on dates that he's also using his own money to pay for. All the charm and charisma that Bright brings to Bo is what keeps all of this on the cute funny side that slowly melts Im's understandable initial iciness towards Bo as she sees him take care of her comatose father in addition to the one who was the one who found and got him to the hospital in the first place as well as going viral online for creatively helping his debtors get income to pay him. Im's life is also really relatable as even an university education still can't get her a job that gives her any financial stability. Her father was too consumed with debt to have been able to help her either and devastatingly is only able to free her from his own debt in death as she's able to get a refund on a cremation fund he had been paying for. She looks dreamily at the Hilton hotel as an idealized place that people like her will never step foot into in her lifetime. She opens herself up to happiness and planning a future together with Bo which is when things go wrong as he tries to take a shortcut to help her with one last job that of course goes awry and his boss screws him over which screws Im over with her life savings completely gone, leaving her being scammed to scammed others by her crush at the bank who also seems to keep her as a side piece, while Bo discovers his worsening health condition that he has no money to treat in prison. It's so heartbreaking that all of his head trauma both self inflicted and fights with rival gangs took a real physical toll on him, shortening his life as he helped others with theirs intentionally or not. It's truly chills in the scene where Bo faces down his old boss who coldly responds to his sincerely asking her to return Im's money, so he does the only thing that people like her understand which is to put both their lives on the line. Debtors always pay their debt. Just as the injury had built up in his body, so had the karma with the people he had help and they visit him once more to help with setting up Im's shop. He spends a happy time with the love of his life, his family, and his friends. The postmortem letter he leaves Im to cheer her on from the after life is really powerful, moving, and relatable. Treasure yourself, and if you don't know where to go or what to do, just stay still and breath, just get through the day.