I have little knowledge of what is going on but I know ancap and she does not lie, if the guy says he is gonna pay her back and then does not that it a shit move. If he avoids her that is an even shittier move. Also what you can afford is what YOU can afford to pay/lose from your own pocket. How dare you assume what is a lot of money for a person . Example 2$ to me decides if I have a second meal a day or I do not. i can't afford 3 meals a day so it is either one or two. there are people that are even worse off than i and yes i live in U.S. America not the the third world. losing any kind of funds can be devastating and demoralising when you depend on them . Most people who are at this end of the poor scale do not lend money to people because it is so scary and makes life shit when things go wrong. Ancap is not like that she trusts and gives anyway so yeah shit of a person fucked her and it very well can feel like you are robbed when you are hungry or cannot pay a bill because someone did not feel like paying you back or feels like it is no big deal to string you along because it does not impact their life negatively .. just food for thought !