I do not loan money to people, ever. I will give money to people I know to help them out from time to time. Sometimes people ask for a loan and insist they wil

I do not loan money to people, ever. I will give money to people I know to help them out from time to time. Sometimes people ask for a loan and insist they will repay me. Fine, I will call it a loan because that's what helps them frame things in their own heads. If they repay me, also fine, why would I turn down free money? But for my own peace of mind, I think of these things as gifts to help a good person out. If I don't think of them as loans, I don't find myself chasing former friends for repayment. I am not a bank. I am not a debt collector. I do not wish to become a bank or debt collector as a side hustle. If you ask me for more money than I can afford to gve you without repayment, it is far less stressful to say "no" and get the conflict over with on the spot.