4
Many think of a loan as a windfall, and they have caused trouble for those who have helped them.
5
Until they receive the loan, they will kiss the hands of those who can help, and they will speak with deference about their neighbor's money, but when it's time for repayment, they will put it off, offer weak excuses, and say it is a bad time.
6
If they can repay, their creditors will barely recover half the amount, and the creditors will consider that much a windfall; but if they can't pay, they have defrauded their creditors of their money, and they have made enemies out of them needlessly. They will repay their creditors with curses and insults, and they will repay them with dishonor rather than glory.
7
Many have refused to make a loan, not because they were vicious but because they were cautious about being needlessly cheated.
8
Even so, be patient with those in humble circumstances, and don't make them wait for assistance.