This story lays out very clearly how a young man can be tempted to defraud and how he might carry out the ruse. The young lady is naive but does not deserve, obviously, to be robbed. She is robbed not only of money, but also of trust. In the future, no doubt, she will have trouble trusting anyone, even worthy people.
You have used the prompt well. Mike has no sympathy, and Ade has great sympathy. The character you created in Mike is reprehensible, but surely memorable.
Thank you for sharing this story with us, @lightpen. Thank you for supporting other authors in the community with your feedback.
The trust part is the most regrettable. Desperate youths do things like this these days without minding how it hurts the victims. Thank you @theinkwell for your support.