Hi, friend! I know that feel bro, I used to have problems with my friends I thought I had o ask people online for help. No problem with that. Anyways, the best choice would to confront your 'friends' about how you feel. I had to learn how to do this painfully, but it's a very important thing to tell others how you feel. Just say 'Man, I feel that you're holding this 'muffins' thing over my head too much. If you give me a bit of room about it, I'll pay you back.' or something to that extent. If they don't respect how you feel and try to come to a compromise with you, they have no business being your friend.