Refusing relatives to borrow money is also learned. You don't want to offend him by lending him money. You must be able to talk. You can say, "Emma, why didn't you say so earlier?" Just now, I lent money to a man. He is in urgent need of money. I don't have enough money. He went to find someone else. "Or," let me wait for a month, and I'll help you find a way. "These can refuse to borrow money without losing courtesy.