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Many people treat a loan as something they found and can keep, causing embarrassment to those who helped them. Some people will speak politely, bow, and scrape until they get the loan they want, but when the time comes to pay it back, they'll put it off, say that it's inconvenient, and make a lot of worthless excuses. If the lender insists on being paid, he can count himself lucky to get back half. If he doesn't insist, the borrower has robbed him and made an unnecessary enemy. All the lender will get from him are curses, insults, and disrespect, but never any gratitude.

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