It had become a nightmare for lady Stefanie to get her money back from her debtor. She had loaned him the money and he had promised to return in less than a month. But it was many months down the line and he did not like he was about to give it to her. So she whipped him while naked and that is how she got her money back from him.
Lady Stefanie felt that if she continued to keep quiet, she would embolden the slave. That is why she had to punish him so that he stopped taking things for granted and he changed for the better. The mistress used her whips to do it and she made sure that he was naked before she whipped him. That way, he would feel even more pain and he would learn to do things better.