The Night's Disguise

I'd say it's pretty clear cut as far as the meaning in the song. He's in dire straits financially, and it's affecting his relationship, creating stress where there should be none. The character had been planning a romantic night out with his significant other, but things took a turn for the worse at his job, and he got laid, so he had to pay for the expensive night out with a credit card. They try to have the best time on their night out that they can, but what the night means for their future is hard to avoid ("come here close; let me tie that iron ribbon", as if the accessories they're wearing are literally shackles holding them down), and, at the end, the "night's disguise" of a fantastic time out fades, and they're left with the harsh reality they now live.