I think some people don't think it's their responsibility to return the money after the borrow it for the temporary time. It's very disappointing and we lose the confidence to offer financial help in the future. I also have and experience like you and so I can guess how you felt in that time.
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It's just painful, I mean the person could have said give rather than borrow if they know they won't return it.
But then it's all good, we learn daily.
I think they are irresponsible people and there is nothing we can do except snatching money by force.