From my experiences, I have found that the ones that I use to lend to, felt like the reason they didn’t pay me back was because I either didn’t need my money back or as they would say, they forgot they owed me. So, with that said, I will not lend to them ever again. If I do give them something, I do not expect it back. I think it wrong not to pay a person back the money that they lend you. The Bible clearly says, if you owe a man you pay him back. I do understand there may be a time when you can not pay back so at least tell that person, I know I owe you and I will pay you. Give the person something. Another reason is just plain, greed.
Phyllis, even here people who barrowed money immediately striked by dementia.