Consider now this case:
Kathy is in a bad financial situation. Aware of this, a friend, Tom, offers to lend Kathy money, as much as she needs, even without her having to ask, because Tom sees her need. Kathy is ready to sign a document binding her to return the money, but Tom, wanting to show her that he takes her for a trustworthy person, says her word will do and he hands her the money.
Now suppose Kathy betrays Tom’s trust and does not pay back what she owes him when she later does have the money to do so. How is Tom to take this? :
1) Any wrong-doing here lies with her.
2) It is only my fault. It was I who trusted her word.
3) Since she did not pay it back, it can only be because I was indebted
to her somehow, and this was the way the debt was settled. She has done
no wrong.
That is: 1) and 2) are both undone if 3) applies.