As Xiu had closed her eyes, the scene from earlier replayed in her mind. It was out of her expectations. Especially because of Zhou Jinhai's presence. She really didn't expect he'd be willing to pay for the crimes that two women committed in the name of protecting him and loving him. Maybe he felt like he really owed it.
As for what he owed Chen Xiu, even Xiu herself couldn't understand it at this moment.