Episode 44 - I will explain silly

In episode 44, Helen offers to pay the bank's part of Luca's boat debt to help take the pressure off him, but he accuses her of trying to steal his boat. A heated argument ensues, and they exchange insults until Luca apologizes. Helen then asks him why the Galapagos means so much to him, and Luca reveals that he lost his home before, making the boat a symbol of his financial stability. But what led to Luca's financial struggles, and how will Helen's offer impact their relationship?