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A banker friend once told me they categorise lenders into group A, B and C when reviewing loans. Think it was something like families, friends then loose acquantance. If someone can't get support from either of these groups first before they go to the bank, then they're a high risk client. Same goes here, we're probably group Z to most requestors as we hardly know them. It's difficult to find a reason to give money out willy nilly. As harsh as it sounds, that's a fact of life.