The condition is still the same. "Will he/she be able to pay me back/ return the favor" And that condition will always benefit those who can return back. It's

The condition is still the same. "Will he/she be able to pay me back/ return the favor" And that condition will always benefit those who can return back. It's not about being newcomer or stranger, it's about being able to identify if it's a loan you can do.