I've never had a problem with friends. Actually I've only loaned any significant amount of money to a friend once. That was to help him buy his first house. I had the money back in less than six months.
Now relatives..............that's another story. Actually in-laws. The bank has been closed to them for quite a while.
My dream is that they will someday finally become responsible and pay up and then Betty and I will take that 40 day cruise.
Note: I said "dream".