I believe neo is just full of shit myself. It wouldn't surprise me if his entire lifestory is a fairytale he's made up so he doesn't commit suicide. He tries way too hard.
We are talking about Sab. Maybe they worked out 'other methods of payment'. They are probably 'sharing' a bedroom.
Do to my love of Asian women - whether bagged the traditional way or via the Internet - I'm giving NEO a pass in favor of MHF.