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Why do friends always want to barrow money?

I have a friend who at least once a month wants to barrow money and when i say no she gets all nasty and mean about it, Why she doing this it gets me sad??
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By the way she owes me money over 1k already and barly paying it back like 50 bucks a month.
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I went to school with a friend I nick named ‘howsabout’
Cause he’d always ask. How’s about a cigarette..