I emptied my savings to help a friend in "emergency." He promised repayment in 30 days. Day 30, he posted an iPhone 16 unboxing. Day 60, he bought new sneakers. Day 90, he stopped taking my calls. Day 120, he blocked me. I learned the hard way: in Nigeria, a loan to a friend is a gift with emotional interest. Money destroys friendships faster than envy. Never lend what you cannot afford to lose. Have you ever been betrayed by a debtor? Did you recover the money or the friendship?
