Apart from the above, better put things in writing / screen cap any agreements if ever you decide to lend to people you know in the near future. Ensure the timeline for payment is define and how repayment would be done. Don't agree to lend out without those 2 and don't let people gaslight you into not paying back based on your agreement or changing the agreement without your consent.
Documentation is key regardless if it is a friend or relative (sad to say) because you have to look out for your own well being first before helping out others.