OK
So you after you get your money back or written it off consider this:
Some acquaintance (not somebody who I'd actually just give the money to) hits me up for a loan. Say they ask for 5k.
I say ok, "Can you loan me 6k?"
They say, "I don't have any money!"
I say, " Then sorry i can't help you."
"If I loan you the money, when the time comes for you to pay me back, you probably won't. I'll have to come find you and if i find you, you're going to say, "I don't have any money!"
Our relationship is going to be over.
"So I'm not going to give you the money. You don't have it now and you won't have it when it's time to pay me back. Our relationship may be over now, but I've saved myself the BS of trying to get my money back, and writing to AN and getting more BS from the resident curmudgeons there."