I hate lending money to others because most people can't pay it back on time. If it's a friend, you can't ask them for it. Besides, Huabei/bank cash loans are very loose at present, which can fully meet the situation of urgent need for money.
So when others ask me to borrow money, my excuse is:
1. The money is all deposited in a fixed deposit
2. The money is all pledged in the currency circle$DOGE