While I respect your perspective, I don't entirely agree that lending money to friends or family guarantees staying poor. As long as the amount is within a reasonable range, say 10-30% of your income, it shouldn't significantly impact your financial stability. In fact, framing it as a gift rather than a loan can help manage expectations and avoid resentment if they can't repay you. It's similar to investing in a risky altcoin - there's a chance it might flop, but there's also potential for significant returns.

However, I think that the real danger lies in becoming a "yes man," constantly giving in to loan requests even when they're too large and threaten your financial well-being. Lending beyond your means can lead to serious consequences, unlike the calculated risk of a small, thoughtful gift.