I had already lost ₹9 lakh and taken two personal loans. I found another lender willing to give me ₹5 lakh, and I was convinced one final position could recover everything. I called my best friend because I needed her to act as a reference.

She refused and contacted my elder brother instead. I was furious and did not speak to her for months. Looking back, that betrayal I imagined was actually an intervention. If she had cooperated, my debt could have doubled.