People refusing to pay up their debts had been a trend that persist, that’s why in my own philosophy, I would rather give out the amount I feel I can let go & zero my mind towards it without the knowledge of the borrower incase the borrower refuses to pay ,it will save me the “stories that touches the heart.
The difficulty of repaying debt is rarely just about “not having enough money.” It is often a complex intersection of cognitive biases, emotional hurdles, and systemic economic pressures.
Family is the worse of all borrowers that will feel entitled on the long run & might not want to refund the borrowed amount of money.
No, you’re not the only one!!! And sometimes family is often the worst when it comes to paying you back. Friends too. They have some money in their hands and they don’t want to let go of it, even when they owe it! I think most have good intentions of paying us back when they borrow money, then when the time comes they would rather keep it and hope we forget about it.

You are very right, Funsho. Paying back is quite a challenge.