The challenge is that friends and family are seen as the lowest priority for repayment. Despite the fact that a loan from them was already given in the most kin

The challenge is that friends and family are seen as the lowest priority for repayment. Despite the fact that a loan from them was already given in the most kind and generous way, there is an increased expectation for friendliness and leniency when it comes to leniency around repayment that just doesn't come with an institutionalized lender. Complicating things is that the penalties for not paying others, like a bank, utility company, landlord, etc. are real and tangible. Whereas hurt feelings are much more readily dismissed than an eviction notice or a debt collector.