This is an eye opener indeed, it's really absurd when someone we lend something to just sit down somewhere and wait for us to come and ask them of the money we gave to them.
From your story, I've also learned that it is good that we should not give people the chance to make excuses, yes, if you had told her the second time about the first she had borrowed, she would not have been to tell you all that bullshit.
Thank you so much for stating the other lessons, they are well noted ✍️.