When COVID hit, I had a provider who I'd seen several times and like, he hit me up for a loan. I told him that I needed to think about it. The next day, I told him that I'd give him the money... not as a loan or expectations of future services. I made up my mind, years ago, never to loan money that I couldn't afford to give. Subsequently, I've prepaid his RM ad, anonymously, a couple of times.