What's the problem that this is solving? Paying friends with credit cards isn't the way to go. Cash, if you don't have this week (it happens) I'll /you'll wait

What's the problem that this is solving? Paying friends with credit cards isn't the way to go. Cash, if you don't have this week (it happens) I'll /you'll wait for a week or x weeks. People hang with people with similar values so it's extremely rare for friends to screw friends and when that happens, it happens once.