The context of the following conversation is Quinn needed quick cash and had to go get a loan.:
Quinn says I took out a payday loan today. I don't think I'll do that again..
The friend responds Why did you do it?.
Quinn responds I needed fast cash and there was no other way but the interest is way too high..
The friend responds It's like loan sharks..
Quinn responds Seriously, if it was not for an emergency, I would never do it..
The friend responds Yes, in case of emergency I can see why you'd do that..