Never take anything that is offered to you "just so". never ever. Do not accept any expensive gifts, except for the anniversary "from the collective". Don’t borrow money, especially if someone offers it indefinitely and without interest. If you have a force majeure, go to the bank and make a loan. You will pay interest, but the bank will not wait for gratitude and will not teach you to live. Saved on interest is not worth the dirt that will spill on you in the case of the "beneficiary". Learn from other people’s mistakes. Do not take anything "just so".