When frend wants to borrow money from me; I always assume that I
will never get it back, much less be paid interests!
So I will lent him the amount I am comfortable to lose and if he
did not pay me back and wants to borrow some more, I might lend him
some more but much less than the first time. He comes again? Lesser
still. He continues? I will like: "here's a couple of dollars for
friendship sake to help you buy something to eat."
You see, actually people need very little to survive. If they want
more than survival, then work for it, don't borrow from me!