There are many users in this world, so your ways is not bad, you are just protecting yourself from those who would take advantage of your niceness... money has been the root of many problems, you lend them money and they start misbehaving because they don't want to pay back.
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Hmm. I know I am just protecting my money and I have the right to do it. May be I am a little bit harsh but it's good for me in long term for avoiding many troubles.