Those intentions of not paying back are something disgusting

Very disgusting and extremely annoying. They teach us lessons we never wanted to learn the hard way.

would have loved it if I may not have to cross these kinda people but it is a matter of sorrow that I have already met some.

It is just what it is but one thing they tend to forget is, a borrower never stops borrowing and one day they'll be in need again and come to lend more but their actions the first time would stand as a hindrance to them and they'll get nothing.