I think it is mainly the lack of honesty and morality in this society. People no longer regard credit as the foundation of settling down. Of course, this may be too absolute, but it is undeniable that there are indeed a large number of such people around us, so there will be networks. Many people above think that you should not lend money to others. I think so. Even relatives' best friends should try not to borrow money. Often from the beginning of borrowing money, your relationship begins to crack, and I think if this person is a man of credit, then when he borrows money, he will write an iou, indicate the repayment date, and have formal procedures. Those oral loans without any documents, to put it bluntly, want to breach the contract, and this kind of money cannot be borrowed.