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Yeah I saw that one as just her managing to get Joey to drop the money situation. But, if you saw it as Phoebe and Joeys antics, it's no skin off my nose!

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You're reaching. It was clear that she was turning the tables on him so he would call it good.

The same Phoebe who

1. Thought Everything that Rhymed was true. And that if she worked in stocks she'd have to live in a box, only eat lox, and have a pet fox
2. That a mouse or opossum would call her in the morning, but realized it was silly -only because they wouldn't have a way to get money for the phone
3. Thinks her rats will be set set free and meet a wisecracking owl?
4. Believes in Aliens.
5. Thinks that Joey not eating meat stops animals from dying while she eats it
6. Thinks Joey is lucky to find a hand-twin
7. Sees Ursula in a porno and thinks it's herself at first
8. Relives a Psychic when she predicts she's going to die in a week
9. Just recently learned about medicine side-effects, and spends an episode nagging Monica about them. And at first, thought the label was a story
10. Relives her bike is alive, and that it will die if she doesn't ride it
11. Thought a Vegas marriage was only legal in Vegas
12. Agreed with Joey's idea that good-deeds that make you happy are all selfish
13. Lets a bee sting her so it can look good in front of the other bees. Joey has to tell her the bee is dead after stinging her.
    14, Lent Monica the money, and expected to get it back in 1 day.
14. Didn't know that Santa doesn't exist
15. Thought a fire alarm was speaking to her
16. Says she has voices in her head
17. Believes the spirit of an old woman is in her
18. Sees Joey picked up a hitchhiker, then let him stay in the cap while she plays games with him, and gives him her address
19. Went on a date with a stalker
20. Gave Chandler millions of dollars to not smoke again
21. Thinks that Alice + Frank jr. were actually going to give her one of his kids, and telling Rachel to ask, and say the baby is for her.
22. Thought it was wise to talk to Mike's parents about sex with their son, and how a pimp spit in her mouth.
23. Was mad at Ross for an entire episode w/o knowing why. Then realizing she was mad because of something he did as a dream.
24. Believes in Mole People
    Given Phoebe's track record, I don't think there's anything too stupid for her to do.
    Monica, Chandler, Rachel, and Ross. Had any of them had that line, then sure, it's easily seen as patronizing Joey to get him to be quiet. But with Phoebe, that's another matter.

If you're gonna pretend to cut her hair, at least put some scissors in your hand!

So you thought that Phoebe actually spent money on sending out good thoughts?

We all think that way on certain jokes. lol
Or have the jokes that are obvious, but go over our head. Then you think "Damn, how did I miss that>"

If you're gonna pretend to cut her hair, at least put some scissors in your hand!

I don't think this one is capable of more than one interpretation.

I do see what you mean. Some jokes, while seeming obvious can actually be interpreted in more than one way.
But I took it as happening given Joey's bum nature and just how stupid some of Joey and Phoebe's antics can get with the weird stuff they do, or get into. They were the characters who tend to have the weakest, or weirdest, plots
But it happens. In another thread on Phoebe someone went far as to mention that they feel half the stories about Phoebe's childhood are just stories that aren't to be taken seriously, and that they doubt Phoebe has experienced near as much as she talks about -so much she's just eccentric.

If you're gonna pretend to cut her hair, at least put some scissors in your hand!

I'm not sure if you are serious here, but if you are, she didn't actually spend that.

She also spent $600.00 on Joey. I think. it was some large amount. He tells her she broke his fridge, and owes him three or four, hundred dollars. Phoebe says ok, and mentions he owes her 6 hundred for sending out happy thoughts on his last 10 auditions.

If you're gonna pretend to cut her hair, at least put some scissors in your hand!

I think it's more unlikely that Phoebe had $500 to lend.

Bad writing i think. The lkelihood of this happening in real life between two good friends is unlikely.
cArNiVaLs oF fAyGo

Yeah that was annoying and obnoxious. Lending five hundred dollars and then expecting it back in one day is stupid. While obviously if you lend money you should pay it back as soon as you can, it had literally been a single day.

Yes, the way she asks for it still make me cringe!

The way she asks for it is so tacky, I hate that part.

^ this

Phoebe is a horrible person. That is the answer to everything about Phoebe.
Hey, how about the fact that I fought an Avenger and didn't die?