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Yes, money isn't everything but it's a critical part of man's life. Again, not speaking out or relating to one's creditors can make the creditors conjure up any thinkable. A man who is in debt isn't free with his expressions because whatever he says or does will always be misinterpreted by his creditor(s). If only debtors know that the integrity test is heavier on them to prove themselves honourable than it's on creditors not to act brashly. I get your point though and I believe debtors should maintain the same humility they implored asking for loan when paying back or explaining their inability to pay pack as and when due.
The problem that often arises in reality is that most debtors find ways not to pay their loans on time. This is a reality in real life - even some debtors who borrow on forums run away from reality to pay their loans for certain reasons. Someone who comes to you today asking for a loan doesn't always come back with the same attitude when the loan is due - in fact he becomes more cruel than before when you ask him to pay the loan.
There are reasons not to give loans to everyone - but only give them money you can afford to lose, whatever your reason for giving it. I think this is useful advice - but there is always a reason to give some people
[friends or outgoing members] a loan, especially because we know them well.