Someone close to me asked to borrow money. Do I say yes?

I’ve been asked to lend to , for . Ask me up to five questions, one at a time, about whether I could afford never to get it back, how money has gone between us before, and what I’m afraid saying no would do. Then set out three options: lend it, give a smaller amount with no strings, or decline. For each, say what it could cost me in money and in the relationship, and give me one kind, clear sentence I could say. You’ve only heard my side, so label what you assume about them as a guess. Don’t decide for me, and don’t just back the answer I seem to be leaning toward. Be direct. No padding and no reassurance I did not ask for.