貸

dài = d + ai4

to lend on interest / to borrow / a loan / leniency / to make excuses / to pardon / to forgive

贷 = 代 + 贝 : Don Quixote (d) asks the crab (贝) for a loan (贷) in the airplane's bathroom (ai4) so that he can continue his adventures, but the crab can only offer him a few tokens (代) for the washing machine.

貸 character breakdown

貸
- 代
  - 亻
    - 丨
    - 丿
  - 弋
- 貝
  - 八
    - 丿
    - ㇏
  - 目
    - 二
      - 一
    - 囗

代

dài = d + ai4

to substitute / to act on behalf of others / to replace / generation / dynasty / age / period / (historical) era / (geological) eon

代 = 亻 + 弋 : Rosa Luxemburg (亻) wants to practice her archery skills in the airplane's bathroom (ai4). On the other side Don Quixote (d) is standing, but they don't have an apple, so they substitute the apple with a token (代, 代币). Don Quixote is trembling heavily as Rosa lifts her bow (弋) and prepares to shoot down the token from Don's head.

贝

貝

bèi = b + ei4

cowrie / shellfish / currency (archaic)

贝 = ⺆ + 人 : Mnemonic symbol: a crab. In the Eiffel Tower's bathroom (ei4), the Neanderthal man (人) and Beelzebub (b) are fighting a crab with staplers (⺆), but because the Neanderthal man (人) can't handle the stapler he accidentally staples himself in the forehead.