One of my more well off friends gets asked for money rather often by people and her expectation management question is: "be honest: is this a loan or a donation?"

I will only ever lend money to friends again if they can tell me exactly when they’ll pay me back (it can also happen in installments). And if they can’t pay me back on time, I expect them to tell me in advance and give me a new deadline. If they still can’t pay me back, I expect a very good explanation; else I’m done with them.

But I’m not sure it’s worth the risk, so maybe I just shouldn’t do it and should help them in other ways instead.

There’s a reason credit scores exist.

bitcoin

Are Cashu mint operators breaking the law?

Yeah, I generally don't lend to people I'm in a relationship/family with. If you see something back, it's awesome. If you don't, also awesome. But then I'm old.