I suppose I am more aligned to Todd in my lending policy than either Paul or Kuki. I am of modest means - my vice is my vacations.
I do lend occasionally but only up to a level I can afford to write off.
The name of the road where I live is also the name of a major retail bank in Scotland and I have to gently remind folks that although I live in xxx road does not mean that I am the xxx bank - lol.
I have always had loans repaid -maybe a little later than was intended.
A condition of any loan I make is that the borrower has been encouraged to join their local credit union. I am pleased to say they have all done so and even gone on and thanked me.
I have more than 20 years experience as a volunteer in the credit union movement so you could say I have a nose for these things.