[Will]

I'm going to go out on a limb here and say something that may make me very unpopular:

You have the man's money. There is no deal any more. Send it back to him immediately. In the context of a business deal, no one cares what your personal issues are and holding his money because he's pestering you for it is both childish and unprofessional. How long does it take to get a money order and put it in the mail? If you have time to post here, you have time to do that.