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So, let's say that you loan someone $2000, and they promise to pay you back, but they don't.

Now, let's say that person comes to me and asks for $2000. I know you loaned them money, so I ask you, and you say 'Well, he didn't pay me back, and I don't think he's a good risk.'"

Given that, I can react in two ways.

A) "Huh. Good to know. Thanks for the heads-up."

B) "You never took him to court, and he was never found guilty. Stop accusing him."

It appears that you're requiring the evidentiary standards of a court of law that can imprison someone, when the actual punishment here is removal from a specific social and professional sphere.

Two different standards of evidence for two different spheres of influence.



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