It is not my fault that I loaned you money and you didn't use it for its intended purpose.
It is not my fault that you didn't ask if you could use the money I loaned you for a different purpose.
It is not my fault that you are seven years late in paying me back or a couple years late in paying me back.
It is not my fault that I let you take a year (or more) off from paying me back.
It is not my fault that you can now not afford to pay me back.
It is not my fault that you appear to never intend to pay me back.
It is not my fault that I look at other things you are doing -- Disneyland vacations, IVF treatments and house purchases -- and wonder, "What. The. F#$k."
It is only my fault that I loaned you money in the first place.
*"You" is more than one person. Which means it is my fault for believing the next person to come around asking for money is the one person who will pay me back.
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