There's a user here (I'm sure you all know who I am talking about without me having to say their name) who has been "building trust" over many months with loans that started out as $100 - $200 at a time - they have a proven history of being late with their loan repayments and now they are lending anywhere from $1,000 to $2,000 at a time with overly abundantly generous loan repayments and far fetched stories of "get rich schemes" that is funding their lending habit.

And that's the thing.  It's a habit.

Drug users have a habit.  They start out with recreational amounts of illicit substances. Then, as their dependency on drugs overwhelms them, they get greedy and turn to theft or deception to fund their habit taking out "pay day loans" to fund their addiction.  On payday, they repay the loan for the previous week of drug taking, then have to take out another loan to pay for this week's fix.

Rinse and repeat.

But back to non collateral loans.  With a proven record of late repayments and what looks like a "drug habit addiction" lending, (or at best a gambling addiction) anyone lending to such a user has no right to complain when that user overdoses or misses a repayment (or simply goes dark) when they can't repay their obligations.

Forewarned is forearmed.