as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
is this investment opportunity problematic?
user
every time i have loaned money to family members i have never gotten the money back. if they can't make the down payment, they should not be taking out the loan. it's a bad idea to loan money to friends, because when they can't pay you back (which might be forever) they avoid you. so, you lose both your money and your friends.
assistant