A loan from a “friend” in a chat

A friend you cannot see does not lend. They hunt.

A loan from a classmate hurt by friendship. A loan from a chat from a new account hurts a till and an account. It wants a code, a card, crypto, “verification”. Sceptic: if you cannot see them at school, they are not a friend for money. Even if they write like Ondra.

An account “Ondra2”: lend 200, tomorrow 250, mum is ill. Nela knows Ondra from a desk. She asks next to her. Ondra: “that is not me.” Stop. A fake friend. Banker doors + Cashier no.

A new account, an old trap

Signs: haste, a secret from parents, a code, a gift card, interest 50% by tomorrow, a photo of an “ID”. Interest from Banker here is bait, not a rate.

Even a “known from a lobby” is a stranger. A desk is a desk. Discord is not a desk.

Blackmail: “send or I will post a screenshot.” Safety, a teacher, a parent. Not a payment for silence. Persiapan work for silence.

Nela wants to shorten it to “it will be fine somehow”. Ondra asks what the lesson A loan from a “friend” in a chat is for, when a table can do a sum. A sum does not count respect, a PIN, a trap or an envelope. The core is: A loan from a chat from an unseen person is a trap. Check with a face, not with a code.

Adults pay the rent. The card, the account and the PIN belong to a parent. A child’s email does not belong here. Pocket-money numbers do not belong on the network. If you break these rules in the lesson “A loan from a “friend” in a chat”, you know a word, not the course.

200 now, 250 tomorrow. 50 interest for a day. Nela: even if it were Ondra, no. Interest + a chat. A double no.

A Steam code for “a V-bucks loan”. A code = tokens. No.

Practice numbers, not a bank statement. Nela has 80 Kč in the want envelope. Ondra pushes a step this lesson can name. When Nela uses the core, either it waits for a parent, or it fits the envelope. If not, anger and a hole are left — proof of pressure, not that the lesson is pointless.

Why this right now

You are in the course Money with Martin, level Sceptic. You can write numbers in a notebook or a table, but the topic is money and decisions, not Excel formulas. The account, the card and the PIN belong to a parent. A child’s email does not belong here. Do not put pocket-money numbers on the network.

This is not the Sheets with Martin course. A table may help, but the mark of success is a decision, not SUM.

You will know this lesson by one sentence: A loan from a chat from an unseen person is a trap. Check with a face, not with a code. When you can say it to a parent or a teacher, you have the core. The rest is practice, not magic.

Crypto promises the same chat. First a fake friend. Then a coin from the internet. The same DM.

If you skip this, the next lesson in level Sceptic will stand on fog. A check has a channel. A code on the no. Ondra2 would not pass. It is not a test for marks. It is a safety net, so “A loan from a “friend” in a chat” is not only a heading.

Four things you will build from the course

The course has four small projects. You do not have to do them all at once. Today you add only what this lesson can do.

Workshop: check another way

Write a check channel: look around, a known number, a teacher. Not a number from a DM.

1. Three signs of a fake loan.

2. A check by another channel.

3. A code = no always.

4. Blackmail with a screenshot: an adult, not a payment.

You count with a face check. A chat name is a costume. A costume does not lend.

Pocket money: Pocket money: 200 from L into a chat is a hole with no goods. Do not write someone else’s amount, a PIN, an IBAN or “how much a classmate gets” next to it. A rule and a practice number are enough — or an honest zero.

Class trip: A trip: “lend for the till onto an account”. A teacher’s sheet, not a DM. Do not write someone else’s amount, a PIN, an IBAN or “how much a classmate gets” next to it. A rule and a practice number are enough — or an honest zero.

Game shop: A game: a lobby friend ≠ a desk. Do not write someone else’s amount, a PIN, an IBAN or “how much a classmate gets” next to it. A rule and a practice number are enough — or an honest zero.

Stall: A stall: do not lend takings into a chat. Do not write someone else’s amount, a PIN, an IBAN or “how much a classmate gets” next to it. A rule and a practice number are enough — or an honest zero.

What to tell a parent with no wage and no account number: “Today I went through a loan from a “friend” in a chat — A loan from a chat from an unseen person is a trap. Check with a face, not with a code.” If they have no time, a slip in the notebook is enough. Stories and class chat are not enough.

I cannot see = I do not lend. If you cannot see this, let the next lesson wait. It is not shame. It is a hole in the chapter, not in you.

I check by another channel. If you cannot see this, let the next lesson wait. It is not shame. It is a hole in the chapter, not in you.

A code to no one. If you cannot see this, let the next lesson wait. It is not shame. It is a hole in the chapter, not in you.

Three nos here too: do not chase a ranking, do not bypass a payment lock, do not carry blame for rent. When someone hurries for a code from an SMS, those are Banker and Sceptic doors, not a workshop in a rush.

Practice: a desk, or a DM?

Lend?

1. Ondra2, mum is ill, 200. First step?

2. Interest 50 for a day. Even from a desk?

3. A code for V-bucks. Why not?

4. Blackmail with a photo. Where, not onto an account?

Now you 💪

Go through three checks. By each one, tick in your head: do I see it, or not?

1. I cannot see = I do not lend.
2. I check by another channel.
3. A code to no one.

If something is missing, go back to the steps above. It is not a test for marks. It is a safety net, so you go on with certainty, not with a mess.

What to take from this lesson

• A DM friend is a costume.
• Interest by tomorrow is a sign.
• A face > a nick.
• Blackmail ≠ a loan.
• Namas in the examples (Nela, Ondra) are made up. Do not put your number, email or photo here.
• Next lesson: When you can do this, go to the next lesson in the same level.

© 2026 Ing. Martin Polak / AlgoRhino · Ketentuan penggunaan konten