friends who ditch you for refusing to lend money are not friends. they are red flags.

ellorkum pana kashtam varum. aanaa here many people are not matured to leave a person alone if they are unable to lend money. esp konjam pazhagitta panam kodu nu tholla panna vendiyadhu. leaving such friendship is better than lending money and later going behind them for getting it repaid.
if someone keeps nagging you for lending them money despite you politely refusing, then its a big red flag. such people are not likely to repay it.