- Frank tries to help with expenses by collecting a debt owed to Morris by a local painter.
- Frank follows Carl, the painter, to his house.
- Carl's wife answers. She is young but looks old. Their children play. Frank can see they are in even worse shape than the Bober family.
- He leaves and returns to the store. He goes to his room, collects three dollars, and intends to take it to Carl's family.
- On the way, he runs into Ward. The detective's son asks what Frank's gun is worth to him.
- Frank gives him the three dollars and throws the gun into a sewer.