Future?? HODLing Bitcoin Today doesn't guarantee your financial freedom... Swallow this bitter pill as early as you can
well, are you owing your friend? If no, then you don't have to feel guilty for not lending him - cus you don't even wanna lend him as you said...if you wanted to, you won't be out here seeking for our consent.
Also remember that there are LOTS and LOTS of consequences for being too nice... Unless you don't wanna get that money back, you can go ahead and loan them.

Sandra 🧑‍🦰