Yes it is Kaylee talking to/about Simon. I remembered, but forgot to update the post.
hxans: "There’s a guy who needs a place to stay or something like that? And the woman is like ‘of course you can stay. It isn’t a problem cuz…it isn’t.’ " Okay for some reason I dreamed about this last night and my brain is convinced it's Mal (or Simon) & Kaylee? It just seems like a very Kaylee thing to say...