Antonyms for the term "paying back" include "borrowing," "withholding," "defaulting," and "keeping." These terms describe actions that are opposite in meaning to repaying a debt, such as obtaining money or resources from others without intending to return them, failing to fulfill a financial obligation, or intentionally retaining funds that are owed to someone else. While many of these actions are legally prohibited and can result in serious consequences, they still represent the opposite of the responsible behavior required to maintain healthy relationships and financial stability. It is important to understand the significance of repaying debts and honoring financial commitments to avoid damaging personal relationships and reputations.