I won’t do deposits. Never have. But, on a few occasions I have “loaned” relatively small amounts to providers that I’ve already seen before who have had the sort of life crises described above. Before I do, I always ask myself how I’ll feel if I never see it again. So far, no one has made an attempt to repay but I have subsequently been the beneficiary of more time, special treatment, access at unusual times and other perks that leave me feeling that it was worthwhile. I try to look at the big picture and there are many ways to build a relationship. Deposits, for me curtail that opportunity.