⁴ Many borrowers ask for a loan
    and cause trouble for those who help them.
⁵ Till he gets a loan, he kisses the lender’s hand
    and speaks softly of his creditor’s money,
But at time of payment, delays,
    makes excuses, and finds fault with the timing.
⁶ If he can pay, the lender will recover barely half,
    and will consider that a windfall.
If he cannot pay, the lender is cheated of his money
    and acquires an enemy at no extra charge;
With curses and insults the borrower will repay,
    and instead of honor will repay with abuse.
⁷ Many refuse to lend, not out of meanness,
    but from fear of being cheated needlessly.

¹⁸ Those without sense give their hands in pledge,
    becoming surety for their neighbors.^(A)