My own experience is not scam, but borrowing. I have borrowed a lot of people i once thought to be my friend some money, big sum to me as at then and till date they never paid back, some paid a fraction initially, giving me the confidence that they would complete the payment subsequently but they didn't. That has changed me a little, though, because since then, i have always tried my best not to be in a situation where i would have to borrow a friend some money. But, that doesn't mean that everyone you borrow wont pay back because there are also a lot of people i have borrowed who paid back with many thanks and appreciations.