" I bet it is . Listen , I just wanted to say I ' m sorry if I startled you earlier with - well with whatever went on out there . " " It 's fine . I ' m fine . I hope you 're feeling better . " I added .

Question: Why is the narrator having to apologize so deeply to the subject ?
Answer: The narrator had startled the subject .The narrator had borrowed money from the subject .The narrator had stolen from the subject .The narrator had been overly demanding on the subject .