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been honest I have never like to help people financially, rather like to either buy something for them instead of giving or lending money, specially if this person is a friend or family or even a co worker, just thinking that there is a chance somehow this "help" can become a problem at any point in time I rather prefer to keep the friendship, idk now days ppl word is worth less and less so you never know
I understand your concern about lending money, and you are right: lending people money has ruined many relationships. When they fail to pay back on time, people can't be trusted...