It is good to pay people back.
Sally sees a ring she likes while shopping with a friend but cannot afford it.
Sally wants a loan for the ring.
Sally gets a loan from her friend and pays her back on time, even offering to pay interest.
Sally gets a loan from her friend but ghosts her after to avoid paying her back.
Sally's friend tells everyone how reliable she is and Sally has no trouble getting help from her friends in the future.
Sally is known as a scammer and no one trusts her anymore.