A friend asks to borrow a large sum of money- knowing you recently received a windfall- but you suspect they'll never repay it.
Offer a smaller amount as a gift- framing it as 'no-strings-attached' support. If they balk- you've confirmed your suspicions with minimal financial damage.
Suggest alternative resources like loan programs or financial counseling- demonstrating your concern while protecting your finances. Feign ignorance of your windfall.
Draw up a humorous- yet legally binding- 'loan' agreement with outrageous terms- like repaying in interpretive dance or naming their firstborn after you. They'll likely decline.
If they press the issue- 'confess' to having already spent the money on an extravagant- albeit fictional- purchase- like a solid gold bathtub or a lifetime supply of cheese puffs.
Fake a sudden and dramatic financial reversal- complete with mournful sighs and tattered clothing. Bonus points for blaming a flock of rogue pigeons trained in identity theft.
Friendship tested true-Wallet whispers words of doubt-Laughter finds a way.