Rin: What, did you expect us to just wait for you back at the Tower? We've been to hell and back, trying to find you!
Arturia: Shirou, you should come back with us.
Shirou: I'm sorry, but I've still got something to do here, and the girls-
Arturia: By all means, let them come. We have to leave before our creditors come to collect.
Shirou: You don't understand, they're like fam- wait, what? And what creditors?
Arturia: Since Rin's funds were running low, she took a gamble; a large one. We managed to win the funds, but there were certain conditions attached to the prize. You are one of them.
Shirou: What?!
Rin: . . . It seemed like a good idea at the time. The conditions only applied in territories held or adjacent to ones held by Dead Apostle Ancestors, and his casino was in Monte Carlo. How was I supposed to know he'd have associates here?
Arturia: He was a vampire, Rin. Worse, he was a dishonorable bookmaker. You really should have known better.
Shirou: So you bet me on a game of dice or something!? In Monte Carlo!? Wait, Van-Fem's operation is in Monte Carlo. . . Rin! You idiot!
Rin: Don't call me an idiot, idiot!
Arturia: Don't be silly, Shirou. We came here from Fuyuki. That's where she wagered you over a game of "online poker". . . whatever that is.
Rin: Stupid TOS agreements. They're worse than the Tower's High Demon contracts.