i think it was a greek philosopher who said, "a man who reaches the age of 30 and is not a cynic doesn't know enough and a man who reaches the age of 20 and is a cynic knows too much." cynics are the happiest people in the world. when something goes wrong they can say, "i told you so." and if things go well they can say, "wow!"
so it is with lending money to family and friends. whenever i lend money to them i consider it a gift. if i get it back wonderful. if i don't, oh, well.