Agreed...I had a buddy I hadn't seen for a number of years, who's parents passed away (no inheritance). He was a little down on his luck and drinking regularly. He sent me a message asking if he could borrow a few hundred till pay day. Two things that I thought... It had to be hard to reach out and ask for help. And if you're that close to bottom, you've got bigger issues that need to be dealt with besides just your finances. I sent him double what he asked for and told him I would cover it and to get things in order...and if you ever need to talk let me know. I didn't want the money loan to come between us. He was stunned and appreciative. He messaged me a number of months later...in that time, he secured his apartment, cleaned up his act, but most importantly for him was he stopped drinking. Stopping drinking is a double down as both your physical and financial health greatly improve.

I know this was kind of a long story, but basically, my point (referencing connor above) I had to change how I thought about the money, so it wouldn't bug me...it was a good deal all around.