There's an old joke my father used to tell (back in the days when people told jokes and he was still alive).
An old man is dying in bed. He beckons his son to his side, reaches out and grasps his hand. As he gasps for air, he whispers, 'Three words of advice son.'
'Yes dad. I'm listening.'
'Never lend money to a friend.'
'Yes Dad. Never lent money to a friend...'
'Never borrow money from a friend.'
'Yep Dad. Don't borrow off a friend. Got it. And the third thing, Dad?'
'Don't use Punt Road.'