I don't lend money to friends or relatives. If this is a person close to me, I can give him money as a gift.
There is a proverb - "If you want to lose a friend, lend him money."
It's very frustrating when the person you lent money to hides from you, lies to you, or starts talking nasty things about you. Drug addicts and alcoholics often borrow money from acquaintances. This is also true for gamblers (addicted to gambling).
Addiction is terrible precisely because the moral norms of the patient are very weakened. He can commit any antisocial offense (and even a crime).
We have the same perspective about lending money. I do not really lend money to anyone even if it's a close friend or a close relative. I just simply give what I can share wholeheartedly because I have already experienced several times that people don't really know how to pay what is due. Most of the times, they will be aggressive to you if you'll bring up about the money they have borrowed. Nowadays, it's you, the lender, who will be ashamed to asked for what you lent because most of them will say that they don't have money just yet. When in fact, they could afford to buy luxurious items and have extravagant celebrations uncalled for, when they can't really afford it. Simply because they want to show off.
Indeed, it's frustrating and infuriating that these people have the audacity to borrow when they can't even keep a promise. Hence, I didn't really trust from there onwards. I would rather be called selfish than to have nothing left when I need it the most. After all, not everyone you helped will actually help you the way you helped them when they needed it.