So I av this debtor in school who has been trying to avoid me, I sincerly don't know why I borrowed him the money in dis Buhari economy, I have d habit of not asking y one needs to borrow all I ask is how u plan on paying back, he sha begged dat by the end of d week he is expecting one money like dat, the week came to an end no show ,that was when baba started avoiding me, I sha caught up with him he then changed it to month end that his normal monthly pocket money will be coming in and he will pay up... then the worst happened, this I guess is d biggest scam i Av personally experienced, he said that his brother was on his way to pay the money in d bank on okada when his bike fell then one of the bystanders stole d money .... I just heard he has a record of owing and always has a story to tell so the story sef is totally unbelievable ... the question is y do people borrow without d intentions of paying are they psychologically programmed to doing that... but I have a policy that when I borrow out I give out what I can let go so thank God it wasn't more cause he actually asked for more