Inspired from predator prey questionjjkmkkk

Dude owes you money. Dude thinks you're a mug (he's the predator. You're the prey).

You could with one phone call destroy his life. Then you're the predator and he's the prey.

What stops you making the call?

Especially if you're the type of person who usually wouldn't hesitate, you would of already made the call. What would stop you making the call? - You don't like the guy, you're never getting the money back. He's also got a long track record of being an ahole. You're not frightened, you could make the call and it would effect you 0% What stops you making the call?