This would be very different in a solar indexed UBI funded world.
If somebody needed money, and we had it to give to them, we would never need to expect it back, and we'd never miss it, because there would always be more to follow for us.
The way things work, us having to look after our own interests with money, at the expense and even suffering of others, is the thing very wrong, it is the reason we each end up alone, financially paranoid of every new relationship.
And it is this in each of us that produces the deadly planet destroying, genocidal tendency that emerges from the collective of us acting like this.
The existential challenge, right now is how to get over this, the requirement of every human to be fundamentally selfish, ignoring that every profit we make, pushes up the planetary temperature just a little bit more, whilst the planet is starting to burn.
I explain how technically we can do it, switch our energy dependence from one that works by limiting, to one that works by empowering, but I have no idea how we are all going to come to see it, as necessary to actually do it.
I had a friend lost in teenage years to gambling also, it hurt, he ripped off everybody in his friends and family, it's a scourge, the gambling thing.
I also lost my only sibling, my younger sister aged seven, arguably to poverty, and many friends to alcohol, drugs, and crime. I had a few close brushes myself, that I will probably never write about, in respect of others who weren't lucky enough to escape.
Things could be very different.
They have to become very different if we are to have a survivable world at all.