A colleague of mine who does side gigs asked to borrow 20,000 for the first time. I gave it to him, and we didn't even write a promissory note.
A week later, he paid me back 22,000.
Half a month later, he asked to borrow 70,000 again, and this time we wrote a note, but with no interest.
Another week passed, and he returned 80,000 to me.
Two months later, which was yesterday afternoon, he asked me again, starting with a request to borrow 300,000.
This time I refused...
This is the mindset of a trader