I liked the conversations for both scenarios! Second one was especially so natural and it was like watching a scene in a movie. :) As for the first one, since you are asking to borrow a lot of money, you can let the hearer (or interlocutor) decide if she wants to lend you money without your asking for it. That way, you can save both your face (直接依頼をしない方が面子を壊さなくて済むますね）でも二つとも、よかったです。
Haruka and Maya,
I liked the conversations for both scenarios! Second one was especially so natural and it was like watching a scene in a movie. :) As for the first one, since you are asking to borrow a lot of money, you can let the hearer (or interlocutor) decide if she wants to lend you money without your asking for it. That way, you can save both your face (直接依頼をしない方が面子を壊さなくて済むますね）でも二つとも、よかったです。