Let me preface this by saying I've never lent a person money.  Hence, this post will be extremely narrow-minded and one-sided.  That being said, here it goes. 

I'm not opposed to lending people money.  I can understand if a person is in a ditch and needs a little boost to get out.  It's understandable.  Stuff happens.  Life isn't always predictable, and money doesn't grow on bonsais. 

However, if I was to lend a person money, there would be a few terms to the agreement.  For one, I wouldn't necessarily need to be paid back, unless the amount was followed by three or more zeros.  I have bills too, people.  Second, I think I should have at least some say in how the money is used.  If you say, "I don't have enough money for rent this month," I wouldn't expect you to use my money to support your heroin addiction.  However, I'm not opposed to lending money for the sole purpose of splurging.  I would be ok with saying, "I know you don't have much money, so here's $50.  Go nuts."  Third, I think I should have at least some say in how you run your life.  This is the most important part.  If you say, "I don't have enough money for rent this month," I reserve to right to point out the fact that a person who's short on money doesn't need high-speed internet or new timbs.  He/she doesn't need cable TV, an all-inclusive cell phone plan, and three nights out partying each weekend.  I have no desire to be the moral authority in anyone's life, but if I'm giving my money away, I expect at least a shred of common sense.  If you can't afford to pay your rent or other relatively necessary expenses, you shouldn't be affording life's amenities.  And I don't consider things like gym memberships and alcohol consumption necessities.  Disagree with me if you want, but don't expect to borrow any money from me. #money