If I loan someone 5 dollars and they dodge me instead of paying me back, I think "Better to find out they can't be trusted for 5 dollars than 5 thousand." Yup, for only five dollars I found out if I can trust them, and that's a bargain by anyone's standards.
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You were going to find out sooner or later. Better sooner than later. Sorry about your loss.
- Brimacombe