This, 100%.
Makes it so weird that people defend her.
• You just don't pay back £64k to someone you don't owe it to. 'Mistakes were made' is passive, and tries to shift blame. It was a very small business and she could easily have contested a wrong repayment demand at the time. You don't get arrested and flee overnight in that situation.
• "James" the lender states on a court document the loan was to allow SW to avoid a criminal record.
• Without that person lending SW/TW money, SW may have gone to prison.
Yet some out there say what does it matter if she used artistic licence here and there (NB in a non-fiction book!) It matters because without the blameless premise, it's a totally different story:
"We stole, when caught we borrowed to repay the theft, but we didn't repay that loan for years and still haven't fully – the house had such a huge mortgage it didn't cover the loan. Then we went on the run walk to avoid creditors, who are still looking for us. But, actually, we are the victims here."