Dine out, but heartlessly, owing money (2,4)

I believe the answer is:

in debt

'owing money' is the definition.
(I've seen this before)

'dine out but heartlessly' is the wordplay.
'out' is an anagram indicator (out can mean wrong or inaccurate).
'heartlessly' means to remove the middle letters.
'but' with its middle removed is 'bt'.
'dine' anagrammed gives 'inde'.
'inde'+'bt'='IN DEBT'

(Another definition for in debt that I've seen is " Owing money".)

I've seen this clue in The Daily Express.

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