Lu Kai didn't want to owe anything to that Bing Shi; he didn't want to feel indebted to anyone.
Xue Bi's and his parents cut out their stream of money because they refused to attend a party with Zu Kai. In short, they had no interest in meeting other people. Xue Bi made a small fortune with her lab by having other companies bring her their products to be tested. There was also him, accompanying her the whole time.
With the saved up money, they opened their first business, which wasn't very successful due to them having unrealistic visions and expectations. They were too hyped up to start an independent life. It collapsed fast.
Nobody took them seriously, always taking them for children who only knew how to play around. For how long could they last against their powerful families? Not for too long.