"No," she insisted. "It doesn't. I mean..." She took a quiet breath. "It only bothers me because I don't know how I deserve you being so kind to me. I feel like... I owe you something." And she didn't want a debt hanging over her head.
"I'm sorry. You're a really nice person, Verity. I just can't help but think... if you were a Slytherin, you'd want something. But, you're not." And she couldn't quite understand kindness without payment. "I'm sorry. That must have been really insulting."