What is the student’s problem?

M: This book is due today, but I am not finished. Can I get it renewed?
W: French Art & Architecture of the 19th Century. I have to check. Can I have the book and your library card?
M: Sure. I just need it for a few more days.
W: Well, first, this book is one week late, not due today as you thought. There are also a few requests for this book so it is now on hold for the next person. There’s a small fine on your card of ＄1.40 for the overdue book, would you like to pay today?
M: So if I pay the fine, can I take this book out again?
W: You won’t be able to take it out again until all the other people who have placed holds on it have signed it out. Did you want to pay your fine today?
M: Have you processed the return on the book? Perhaps I’ll accrue more fines, and keep it for a few more days. I really need it. The exam is in two days and this is practically the course text book.
W: Sorry, I have already signed it hack in and now it is on hold. In fact if I could, I would triple our fines and suspend your library privileges. It’s not fair to other students who are also trying to access library material for study purpose. Now are you going to pay your fine today?
M: OK. Sorry.