Then don't borrow what you can't afford to pay back? When you borrow money from someone, you explicitly enter a contract with a legal understanding that you wil

Then don't borrow what you can't afford to pay back? When you borrow money from someone, you explicitly enter a contract with a legal understanding that you will pay it off back in a stipulated time. When you go back on your word, it's not only unprofessional, it is also a breach of that contract. So, the other party should be free to get back their money in whatever means legally possible within the boundaries of the law. Getting back their money from your account when it's most likely to exist isn't a bad idea after all. Not everyone who borrows money is a "victim" and not everyone who asks for their money back is a "predator". It's not so black and white. I've lost money to worthless people who lied while borrowing only to find out they blew it all on prostitutes instead of that family emergency they claimed they had.