I borrow a lot, and lend a lot, and always pay it back. And people always pay me back, because they have no choice. Worst case, I'll just make them pay for some food or extract it in the form of sexual favors.
But I've never borrowed a large amount of money, it's usually like $5-20 in case a place doesn't take card or whatever. I have never not paid someone back, and I put that as a point of pride for myself: I always pay my debts when possible. And I've never had it not be possible.
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