What is the psychology of people who owe money and don't pay it back? How to treat it?

Hello, because I have known a friend who likes to owe money and not pay it back since I was a child, but our relationship is still very good. We have been playing naked all the way up to now, so I think I have learned the essence of asking for money from this person. Now as long as it lends me money, it will automatically pay me back in a few days. Even if he bought a necklace for his girlfriend, he dared to take it out as a repayment, so I think I really found someone who can teach him experience (laughs).

Let me talk about my friend first. We have been neighbors since we were very young. At that time, he was very naughty. He especially liked to fool his parents and cheat them of the change in their pockets, and then he was often spanked. At that time, I was naughty and liked to fool my parents, telling them that I didn't come last in the exam, and then I was often spanked. This leads to the fact that although we can play together, we will always be deducted for spending money indiscriminately, but I will give me more money because my parents think it is too shameful to raise such a stupid son, so that I can at least look like a "stupid son of the landlord".

In this way, I became his main source of income. He often borrows money from me for various reasons. After borrowing it, he refused to return it for various reasons. Now I think I was really good-tempered when I was a child (maybe because I was stupid). Every time he doesn't return it, I think about it. Over time, he asked me for money. I know that once my mother found that my expenses didn't seem right, and then she asked me casually, and I couldn't hide it, so I told the whole story. Fortunately, my mother is not my father. She just said to me, "I'll tell your father tomorrow night. Before that, you can solve it yourself."

Then I didn't tell him anything, so I called his father ... and then that night I heard crying and throwing things in the next room. Then the next day, my mother gave me another 50 yuan (at that time, 50 yuan was a huge sum for a child), saying that it was returned to the original owner.

Uh-huh, actually, I didn't mean anything else. Although this incident is small, it is indeed a very vivid example. In fact, the best way to deal with people who borrow money and don't pay it back is not to borrow it. Many times, people are always embarrassed to refuse others, so don't blame others, because it's your own fault and you have to pay the price yourself. But if you answer, then you can do this: or when you borrow money, you need a debit note with the address and contact information of your relatives on it; Or continue to collect debts for a month and go to the scene every day; Or call his relatives and friends (literally, don't think too much) and tell him about borrowing money from time to time; Or directly say that he is missing in the circle of friends and mobilize everyone to help find him. If all the above methods fail, well, then you should pay the tuition. I still say that not borrowing is the best choice.