On the other hand, Ruth has too many stories (maybe you have your own) of clients helping those they care about only to have it blow up in their face and trash their finances - Sometimes right away, and sometimes YEARS later.
These stories are so heart-breaking, not just because the financial stress is terrible, but because of the soured relationships, broken trust, or missed opportunities that are very difficult to undo.
The holiday season is just gasoline for these kinds of scenarios.