If the other person is reliable and honest, he will not ask for money easily. At this time, you can tell each other that you really can't afford that much money. Borrowing money is an embarrassing thing, if the other party really has difficulties. You can ask what the problem is carefully. Generally speaking, as long as we ask, we can learn a lot of information and details from each other. The most traditional and safest way is to write IOUs. Don't be afraid and embarrassed.
When you borrow money, you must write an iou, indicating the start time and end time of borrowing money, otherwise no one will know if something happens. If the person who borrows money from you often borrows money from others and has a bad reputation outside, don't lend it to me, because you can't get it back. You can borrow money from him again, or talk about your recent plans. If the other person understands what you mean, I believe he will return. Everyone has the experience of borrowing money, and they don't ask each other what they did. Let alone pay back the money. In the end, it is ourselves who suffer.
If you meet a friend asking for money, it may lead to deliberate delay, and you can only admit it. If your friend really needs money and you don't want to lend it to him, then recommend him a reliable lending platform. If there is an urgent need, you can naturally spend it. This is the best way. If you feel embarrassed, you can borrow money. If the other party only borrows money without paying any interest, you'd better think about it.