Totally NOT Loaded

The following is a reconstructed conversation between plasticann, Zhor and a classmate [Mr.Z] about one of our other classmates, let's call him Mr.Loaded, at BIT.

Mr.Z: Oh yeah, Mr.Loaded is totally loaded.
plasticann: ...How do you know?
Mr.Z: His clothes, the kind if car he drives....
plasticann: He has a car? I don't have a car. Do you have a car?
Zhor: Yeah, you have a T-pass.
plasticann: Gosh and I thought I was living the life by upgrading to a Combo pass. Now I can ride the bus, not just the subway.