how often do you go loan by the bank of family and friends?

My father taught me early on to work for what I wanted.
He never gave us any allowance, but if we did chores (painting, laundry, mowing the lawn) he’d give us a few dollars.
He said when we earned money, we could do what we wanted with it.
When I was 14, I wanted a tennis racquet which cost $65 (a lot in those days)....so I bought it.
My father told me he thought I was foolish to spend that much money for a tennis racquet.
I replied “Maybe, but it’s my money and I can get what I want with it”.
He smiled broadly, knowing that I had learned the lesson.

“Neither a borrower nor a lender be....”
-William Shakespeare, “Hamlet"