There's a popular saying in my locality that the mannerism of asking for a loan isn't the same as when it's due to be paid back. It's that simple. The borrower goes to the lender and asks for a loan in a tone that makes them appear humble and dying 😅 but when they're asked for the repayment, the stupid ones among them will ask the lender why they're bothering them as if there aren't people who owe others. Some even would tell you that after all countries owe, let alone individuals like them. Some of these responses would leave one wondering why one helped out in the first place. I've had my share of this. It pains me that some people neglect the essence of friendship once money issues come up.