Readers know that Nadia’s question no doubt strikes a nerve for Zara—she blames herself for the man’s suicide because she denied him the loan that would’ve saved him financially. But Zara isn’t yet willing to admit this to anyone, and so she’s relegated to sobbing in the elevator alone rather than reaching out to Nadia. This passage also explains where Zara got her headphones, which shows again that Zara does take her sessions with Nadia seriously and values Nadia’s opinion.