Strategy for Lending Money to People:

1. Don't lend a single cent to gambling addicts, not even if they beg on their knees.
2. Don't lend a single cent for improving others' lives, such as buying a house, a car, marriage, or bride price. For relatives, at most chip in with a gift money.
3. Don't lend to people you don't know well; block them as soon as they ask. This is discrimination based on character.
4. Lend for emergencies, such as medical treatment that can be cured. Don't lend for a bottomless pit illness, because with such a disease, the other party's finances will eventually collapse and the money won't be recovered. But in this case, it depends: if you are very close, treat it as a gift. Mentally prepare in advance that it won't be returned, and consider it as support for them.
5. Don't lend a single cent to people with a criminal record, who like to show off and brag, whose consumption far exceeds their income, who are unemployed, have tattoos, are immature, or have other such traits.