Your brother-in law Steve is going through a rough patch. He lost his job in September. By December he’s really hurting. Steve swallows his pride and asks you for a loan to get through the holidays. Financially, you’re doing alright. You just got a nice Christmas bonus and lend him the bread. Steve roughs it through the winter with the help of your loan. By early spring he gets a new job. April, May, June go by…Steve seems to be back on his feet but you don’t see a dime. You complain to your ...