I had a friend who I lent money to his startup during Covid. He promised would be paid back within a year. Multiple hard conversations and it’s 4 years later and not one cent has been paid back to me. We currently don’t speak to each other. He’s delusional with his startup ideas, lives in lala fantasy land. Refuses to get a job and take any responsibility. He has zero track record of success, so it’s somewhat my fault for loaning him money.