Assisting Ananda in chasing his debt without compensation was naturally something Guanyin was unwilling to do, given that she herself still had a pile of debts on Xuanzang, not knowing when she would be able to reclaim them.
After all, as a bigwig in the Buddhist sect, Guanyin knew the temperaments of these people well; on the surface, it was a loan, but if no return date was specified, it was almost equivalent to not returning it at all.
Even Sun Wukong, that monkey, when he went to the Dragon Palace of the Eastern Sea to borrow the Sea Calming Needle, did he ever say when he would return it? No, right? That's pretty much the same as not returning it!
However, if there was compensation, that would be a different story.
After all, it was about chasing someone else's debt—if she could retrieve it, naturally it would be more than good; to earn half or even more for nothing.
After all, what was Xuanzang's compensation and how much it was, weren't they still up to her to decide?