I'm embarrassed to say I do borrow money, but I've always returned every single cent. However, I only borrow from very good friends or from people I know who don't mind and can afford to do so. However, I avoid it as much as I can because it is rather embarrassing to do so. As for lending money, not so much because I usually don't have enough to do so. I've only lent a big amount once. Never asked for it back. That person returned my money when she had the chance, and she's been grateful ever since.
Jim, never lend(give) that guy money ever again. There is no reason for you to feel bad.
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