终是亏欠
[zhōng shì kuī qiàn]
The meaning 'In End, Still Indebted' implies regret for debts unpaid - whether they are emotional, financial, or personal promises left unfilled. For this person, they might believe they've failed or let down the important people around them, carrying feelings of inadequacy, regret or responsibility for something unfinished that still haunts them deeply in their hearts.