Borrowing someone else's car means value here, and borrowing someone else's things means that others respect and rest assured of themselves.
The car is completely scrapped, the car has no insurance, and I have no money to pay it back, which means that I need to repay others' respect, but I am unable to repay others.
To sum up, the anxiety you vent in your dreams, on the one hand, is the anxiety about spending money lavishly, reflecting that your economy is not well off.
On the other hand, you are worried that you will take responsibility.