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Yeh, this is the context I was talking about. You lending this person money is a moral hazard. You are doing them more harm than good by lending them the money. Saying no is hard, but if you just say you're not in a financial position to give away money rather than just saying you...

But that's the thing. $100 this time turns into $200 next time and before you know it rather than asking for $100 every 12 months it has turned into asking for $100 every month etc.