It's kind to lend money to a friend.
John is at home when his friend Bill calls him on the phone and asks to borrow some money for a short while.
John wants to answer Bill's request.
John tells Bill that as long as he pays it back he'd be glad to loan him some funds in his time of need.
John tells Bill that he can't spare any money right now and that Bill should call someone else.
Bill is delighted and totally relieved that his problem will be temporarily taken care of.
Bill is stressed out about not getting the money and is scared about his short term future.