What do you think about me crashing a car and then not paying my parents back?
Why don't you want to pay your parents back?
I'm a bad boy with a lot of hate in my heart. I don't want to pay my parents back because I hate them very much. I just want to move on.
You crashed the car, so you should pay them back. It's your fault.
I wasn't driving.
That doesn't matter, if it was your parents car and you were the one who took it, if the car was crashed then you owe them. That's how the law will see it, too.