Of course, that's a possibility, but the other one seems more likely to me. When you borrow money from someone you don't know and say you'll pay them back, but months go by, what do you expect to happen? A thank you? I don't think so. Debts are meant to be paid. If they can't be paid, the payment date or the earliest possible date should be communicated. The fact that they haven't shared any posts about the depression I mentioned above is another matter. My advice is not to dwell on it too much. What's done is done. I hope they pay you back, but I doubt it. Either way, it seems like there's no going back.