Since you've set yourself up as the "Friendly, No-Vig, No-Teeth Loan Guppy," it's going to be hard to start charging anything. You ask for more than gratitude and prompt payment now, you may find yourself with less friends. Which means maybe they weren't so hot as friends anyway.

Start weaning them if it's bothering you. Find yourself with less and less available funds. Say you're on a really bad downswing.

Or get yourself a no-neck pal or two and get into the Sharkin' Bidnez.