My cousin called me the day before yesterday and asked if I had social insurance.

He said to lend him my social insurance to use for a payment. I know about using medical insurance to buy medicine and such, but I'd never heard of using social insurance for payments.

I asked him how that would work. He said to go to the bank and pay a few cents, just go through the process.

His explanation confused me. I said, "Then don't use social insurance. If you're short on money, I can just give it to you directly. Why make it so complicated?"

He was vague about it, so I pressed him further. I asked if something had happened to him.

Because he doesn't work seriously normally—he's always broke and is constantly borrowing three or five hundred from me. If something's going on, just tell me directly. Why do you want to use my social insurance for something unclear like this?

Later he told me the truth—he owed money on his credit card that he couldn't pay back. Afraid of being overdue, he got an online loan for tens of thousands, but it required going through a social insurance process. He said it was nothing, he'd pay the money back soon. That's when I really understood—this was a guarantee agreement!

To put it bluntly, he was dragging me down with him. If he can't pay back the money, I'd have to pay it back for him. I refused right away.

This happens way too often around me—being a guarantor for someone else, and when the debtor can't repay, the bank directly deducts from your account. If the debt is large, you'll be stuck dealing with it your whole life.

Besides your parents, wife, and kids, there's not a single other person who genuinely wants you to do well, including relatives around you. They seem like they have a great relationship with you normally, but when something real happens, everyone shows how selfish they truly are.