Liz needs to stop thinking she can buy people, because if you buy people they're generally only in it for the money. And she also needs to learn what a gift is. If you give someone something, it is a gift, not a loan you want interest on. Sad.
I suspect that Liz is the sort of person who would say people on benefits shouldn't have children if they can't afford them (cue anecdote about her mother working her fingers to the bone and eating slivers of cabbage so that Liz might have a second-hand jumper but still no pony of her own). She should perhaps consider that, as an owner of "ponies*, she has to ensure they have grazing and that Nic, as her "equine behaviourist", is fully within her rights to suggest that Liz consider a better paddock. It's not *pushy*. Also, given that Liz is still running round getting Hollywood waxes and attending fancy dos in her multiple expensive vehicles, it's not surprising that Nic might not fully comprehend that Liz cannot afford to pay for the land.
As for the Baker hinting at her doing up his flat, and the horror of Nic and Liz that he might be suggesting she pay for it: think of it this way.
The Baker and Liz are *engaged to be married*. When people marry they invariably join their lives to the extent that they live in the same property and may even share finances. Liz, as we all know, is supposedly near-bankrupt and cannot afford lovely shoes, and owns only one dress.
It would seem to me that The Baker, as her also-skint fiance, is not asking her to pay to do up his flat. He is suggesting that rather than her spend a bunch of money renting a lovely expensive flat in Islington - THAT THEY CANNOT AFFORD - they instead do his place up to make it more nice so that *they don't have to spend majillions of money that neither of them has on a rental in Islington that they will get kicked out of when they can't pay the rent any more*. In other words, he's doing a thing called *budgeting* and *being financially prudent*.