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The reality is that the world is full of shitty people. There is an easy way to find the majority of them. They ask/want to borrow money from non official len
by citizenpaul 4y ago
The reality is that the world is full of shitty people. There is an easy way to find the majority of them. They ask/want to borrow money from non official lenders.
Think about it. Most people on HN how many paths would you have to go down first before you would borrow money from an individual? I'm guessing several options would be tried first.
The reason those people are shitty is they already burnt all those options and have now moved onto individuals to grift in small ways.
The number of people that truly need help from a single person in the form of money is exceedingly rare. This is not limited to any specific place.
Yes I'm aware people can be in different/difficult places in life that make such need more likely, I'm just speaking as a general rule. Usually people that really need help are hesitant to even ask.
- buzzert 4y agoThis doesn't seem like a fair characterization at all. Any other path towards borrowing money could potentially lead to getting buried even further in debt, and if an exhorbitant amount of interest is charged, could lead to a debt spiral that's really hard to get out of. On the other hand, asking for money from a close friend means 0% interest, and an implied forgiveness in case it's not able to get repaid. That sounds like a much better option to me (of course, depends heavily on your relationship with your friends, etc.).