Lending money is like pouring water out; what’s even more heartbreaking is the trust and friendship that evaporate along with it. When you find that the promise of “I'll definitely pay back next month” turns into eternal silence, you know that this relationship has been priced and sold. My lesson is: when lending money, be prepared to lose these two things. If you don’t want to waste energy on internal conflict, consider calmly organizing all transfer and chat records, and send the other party a formal notice setting a final deadline. This is not about tearing faces, but giving both sides a last bit of dignity. Sometimes, making the other person “socially dead” within the shared social circle is more direct and effective than any legal procedure. Your kindness must have a bit of edge.