The context of the following conversation is Jesse just got a credit card, but then Jesse spent too much money online.:
Jesse says My credit card arrived in the mail and I went on a shopping spree..
The friend responds You'll regret it when you get the bill in the mail..
Jesse responds I was buying up everything in my shopping carts..
The friend responds You know you have to actually pay for them..
Jesse responds You mean with real money?.
The friend responds I am scared for you..