You see a shirt for $97.
You don't have enough, so you borrow $50 from your mom and $50 from your dad.
[$50 + $50 = $100]
You bought the shirt and got $3 change.
You give $1 to your mom, $1 to your dad and keep $1 for yourself.
Now you owe your mom $49 and your dad $49.
$49 + $49 = $98 + your...