Never ever mix money amd friends and family. This is the easiest way to lose friends or at a minimum create a small divide between the two of you. Inevitably ypu will lose games amd no matter what people say when ypu mess with another person's money it gets personal. Politely decline and tell them that while ypu can discuss things that ypu are betting on ypu don't want to give advise because ypu lose just as much as you win. Admitting defeat is the easiest way to put that conversation to bed.
Well, a friend and family that understands how money works will pay back the money that was lend to them but the smart looking like scammers wouldn't pay back and when you complain about the money lend to them, they have you altitude and become emotional and family pity card game which is very bad, that's emotional blackmail because of your own money that you lend to them, this is why you should not give up your money to them.
However, there are some people that are friends that you don't have choice that you must give them the money and they worth it, they always find a way to pay back the money because they know how they struggle to make that amount of money.