Persona 5 Royal Hard Playthrough EP 21: Makoto Niijima

The Phantom Thieves find their target's name, Junya Kaneshiro, and enter his palace as intended. However, they run into a dead end, when the "bank" he's located in, is flying and is thus unreachable by land.
Makoto, in a reckless move, is taken to Kaneshiro and the group follows her to his place.
This causes Makoto and the group to get into trouble as he threatens them, unless they can pay him. This however, turns out to be just what the group needed, as it causes Kaneshiro's cognition to change to see Makoto as a "customer", which is what the group needed to gain acess to his "bank" in the metaverse.