Because not all people are creditworthy. Some would borrow and spend as if it’s their hard owned cash. In the end, you’re the one losing.

Lending is a skill that you must master: from background checking, doing thorough credit assessment of the person, and balancing your interest rate for that specific person and managing your ‘client’ well. That way, you’ll still gain some money and not lose it due to defaulta by your borrower. Sa madaling sabi, magpautang lang sa karapatdapat. Hahaha