When I have had money, I made loans to people, with the knowledge that I might not get paid back, and if I wasn’t, well, generally the amounts were little enough that that one time cost of letting someone test themselves on repayment wasn’t that high. If it had been a constant thing, like you seem to be having, I don’t know that I could have kept that up. At the very least, I’ve been cutting out a lot of people over time. Sucks that you’ve been having to deal with that.