They say that nothing in life is free. Everything costs us something. Even if it is only opportunity cost, there's a price. There's no reason to expect that someone is going to look us up out of the blue and want to give us money. If they did, they'd upvote a post. I guess I'm not as greedy as I might think, or I'm practical enough to realize that even if the opportunity is a valid one, the reward is small enough that it's not worth it for me to risk it being a scam. So I don't engage. Or the reward is too big to be realistic, so I don't engage because I already believe it to be a scam. Either way, I don't normally engage. And if I do engage (giving money or whatever), I don't expect to get it back. If it comes back, great. If not, well, I wasn't planning on getting it back anyways, so nothing lost.
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Yeah, I think what saves me is I prefer to work than owe a debt. I have trusted some people here with some quite significant amounts but, it is part of the deal and they are not 'completely' strangers.
I'm with you there. I would much rather work and get what I'm owed than to have someone grant me a favor, thereby indebting me to them.