How do you respond politely when a netizen borrows money from you?

When a netizen borrows money from you, you should first clarify your point of view and gently reply to the other party: "Although we have known each other for a long time and talked speculatively, after all, we are online friends and get along online, unlike in real life, so it is not appropriate to have a loan relationship with each other. I hope you can understand. It's not just a matter of trusting you. In my opinion, you won't really understand. If I can really lend you money, don't you need to think about it? "

Secondly, tell each other that even if you really want to lend money to each other, you are not rich now. You can list some facts, such as just buying a house, buying a car, or other reasons. In short, if a netizen borrows money, he must not lend it to the other party. It doesn't matter even if it is torn, but he is a friend he met online. Besides, if the other party is a reasonable person, he should not open his mouth to borrow money, and it is hard to say whether the other party is a liar or not!