[drewjustdrew]

Maybe it came across wrong. I agree with your attitude totally. If a close friend or relative wants a loan (none would ask for handouts), I would consider giving it to them, and have in the past. Without telling them, I consider it a gift and never press them on paying it back. So far no one has "defaulted" for a serious amount, but my frame of mind is that they do not owe it anyway. I don't value money like I appear to with my relatives/friends. I just live a very meager lifestyle, so it seems like I am cheap, when I am just easily satisfied, in terms of possessions.