Maybe I'm just too cynical. I can barely see anyone, let-alone a reasonably attractive woman hanging around Chris without incentive. Chris could barely handle cardgames with children without sperging out. Perhaps it was part pity, and part using him as her ebay paypig? This was in a time before Visa-enabled debit cards were a thing, and I don't think Megan had a job so she probably wouldn't be able to get a traditional credit card. I don't think she was in college either so she wouldn't have been able to get one of those 500$ limit student credit cards some banks do.