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