<p>I wouldn’t lend. (And of course, this idea gets back to the sticky issue of who defines what “needy” is.)</p>
<p>But then again, I don’t loan money to people I know. I don’t co-sign loans. And if I did loan money to a friend or relative, with appropriate documentation, I’d also consider the money as gone, and I’ll never see it again. Then if it’s repaid, it’s a bonus. If it’s not, it doesn’t screw up the relationship.</p>
<p>I will only loan money I can afford to lose.</p>