RPF,
As seemingly the only responsible person in my family/friends, I constantly find myself lending people money. I enjoy it, even though I never charge interest.
Why?
Because I benefit from the predictability of deadbeats. I *always* hold something of greater value until they repay me the cash. it could be a gun, a guitar, a computer monitor, some piece of jewelry they have. Sometimes, I almost *hope* they will fail to repay me so I can keep the goodies.
That's my solution. Always lend when you can, but hold something of greater value. If they don't have something of value, tell them to borrow something from someone
