Not sure if the OP will get this but at least this can help others. As I took it, the boyfriends dad was in financial trouble. It is possible that he worked for Ga-in's father as her father made a statement that led me to think that. Anyway, his dad simply gave him some money as though he was a common beggar. Ashamed he decided to kill himself and his family. His son lives and thus seeks revenge against Ga-in's family. That is why he got close to her.
As far as the over all story I think you have really TWO stories going on. There is Ga-in's boyfriend who wants her family to pay and thus kills the mom and dad and plans on killing Ga-in. There is also the brooding student who warns Ga-in to trust no one. He appears to be a demon. A living form of evil. Satan you could say. I think the idea is he does not make people do evil, he just puts the weapon in their hand and gives them a little nudge. Then they do what is their true desire, what is deep in their heart.
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