[mikeash]

Virtually everyone finds the stranger more comfortable. They may not say so, but a quick look at their finances will reveal most of their assets in bank accounts, stocks, bonds, etc., and almost none in the form of loans to family members.

[kami8845]

Quite a perverse strawman from someone who just a second ago asserted what "this discussion is about".

[mikeash]

Uh, you're the one who asked who I'd be more comfortable lending money to. If it's not relevant then why did you bring it up?