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Polite words remind others to pay back the money.
1, giving you money is support, not urging is trust, and paying back money is honesty. Please don't undermine your honesty with the support and trust of others.

The happiest thing at the end of the year is to take the initiative to pay off the debt. ?

Happiness means remembering that someone still owes me some money when there is no money.

Paying back the money is also a reason for goodbye.

I didn't say anything when you borrowed money from me, but when I asked you to pay back the money, you had a thousand words.