Everything above comes down to five habits:
- Never lend more than you can lose.
Treat every loan as potentially a gift.
- Always look them up first.
No exceptions, no matter how good the story sounds.
- Fund on a recoverable rail when you can, so a default has consequences.
- Record everything.
Your Ledger is your evidence and your memory.
- Report defaulters to Warden.
The lender you protect next time is protecting you.