Steal the stole, say, or pay for it (4,3,3)

'pay for it' is the definition.
I know nothing about this answer so I cannot tell whether this works.

'steal the stole say' is the wordplay.
'steal' becomes 'take' (to steal is to take without permission).
'stole' becomes 'wrap' (stole can mean a shawl or wrap).
'say' shows a homophone (sound like).
'wrap' sounds like 'rap'.
'take'+'the'+'rap'='TAKE THE RAP'

'or' is the link.

Can you help me to learn more?