Wisdom of Ben Sira 29:5-7

New Catholic Bible

⁵ Until he gets a loan, a man will kiss his neighbor’s hand
    and speak with respect of his benefactor’s wealth.
However, when the repayment of the loan is due, he delays,
    repays with empty words, and asserts that the times are hard.
⁶ If the borrower can be forced to pay, the creditor will get back barely half,
    and will regard that as an unexpected windfall.
But otherwise such a creditor will be cheated of his money
    and will gain an enemy in the bargain.
The borrower will repay him with curses and insults,
    and with abuse instead of honor.
⁷ Hence, many refuse to lend, not out of malice,
    but out of fear of being needlessly defrauded.