Evidently, the Sugar Baby didn't want to have the typical mutually beneficial relationship that most Sugar Daddy and Sugar Baby arrangements are made of. Why enter into a loan agreement when she knew she didn't have the money to begin with? Why would a Sugar Daddy even go along with such an agreement? He was aware of the woman's plan to do away with her husband.
If there is any takeaway from this tragic story is don't promise anything that you can't payback or give up. Maybe the woman reasoned a loan would be better than having to sleep with the Sugar Daddy since she was married. However, what could have been a simple agreement or no agreement at all ended up costing a man his life.