Answer:
Frank fells guilty... Internal, Mrs. MacDougal... Internal. The other two are an external conflict.
Explanation:
Usually in like the 1800 a penny was like a thousand dollars nowadays, so if you had a penny it would mean you had a lot of money. But if you have a penny just not with it with you then it still means you have a lot of money, or should I say, mula. Lol!
I think it's figment of the imagination