I concluded the regular quarterly check on people that owe me some substantial amount of money recently

You most be a hoot in family and friends meetings😂😂😂😭

Although I always have the mindset that money lended is money soent...

From most stories I've heard from some of my friends about their friends, I've concluded that it's hard and grace to get your money back without having to put the begger/borrower/thief in prison😂😂😂