One of my siblings had a habit of asking for "loans" that may or may not ever get paid back. They were a commission salesperson and had more skills in hard pressing me than I had skills at resisting (at the time). For them, for every penny earned a nickel was spent. This was when I was a young engineer making much more than sibling who thought that meant I should be an ATM.
But, one day I firmly said "no," although it had to be repeated several times. "But I'm a drowning man grasping at the last straw, and the sheriff is on his way if we don't pay these bills." "Sorry, it's all tied up in long-term investments." Well, one month later I heard about their new car and bedroom suite from Ethan Allen. That taught me to just let the appeals run off like water on a duck's back.