 Because we didn't want to feel that way about them. They didn't like what lending money was turning them into, you know, constantly pocket watching their friends. Gifting money is a way of letting that money go, which means you can't be lording it over your friends as some sort of shit. For financial educator Berna Anat, a loan implies a sort of contractual obligation between friends and family that honestly she just doesn't want to get into.