Have a monkey on (one's) back negative spoken language verb phrase
To have a terrible burden that makes one's life becomes difficult.
I have a monkey on my back. It's my arthritis. It makes me difficult in moving.
She has a monkey on her back when her parent died and left her with an enormous debt.
Used to describe having a drug addiction.
He's been sent to rehab this morning because people found out he has a monkey on his back.
Knowing he has a monkey on his back, his parents positively encourage him to go to rehab.
To punish someone or something harshly
Once something has been done, you can do nothing but face the consequences.
White lie
Act in a way that is likely to cause problems for you
It is mostly used in the present tense.
If you swallow the bait, you take something that someone offers you, or agree to do something that someone asks you to do without knowing that it is a trick or way of getting something from you.
You can't just do whatever he wants you to do. Don't swallow the bait.