This is a heads up for newcomers to the Philippines as expats who have been here a while would or should already know this. How to lose friends in the Philippines is simple LEND THEM MONEY because they will not pay it back and if you ask them to pay it back that's when YOU are becoming unreasonable, a strict foreigner, rich when they are poor and all the other things that are said. Its happened to me twice both times with relations of my wife who were actually friends. 1st time was a female cousin, a hard working woman in her 50s no husband and one married daughter with a husband and they both have good jobs, the cousin had a motorbike crash and was in hospital about to get an operation, when the daughter found out the cost she instructed the mother be moved (with a broken leg) to a cheaper hospital, i said to my wife just lend her the money to get it done, all good the daughter thanked us and even asked for more money for another operation for her mother, i said ok, that was well over a year ago and only 30% of what we lent has been paid back and we don't seem to be so friendly anymore. 2nd time, you might think once bitten twice shy but this time was a completely different situation although it was again a female cousin (seems to be a trend here) this woman was married to an American and flew in from the US without him to throw her family here a lifeline by starting a business for them to run , at the time we had a car to sell and she wanted to buy it, i gave her a good price and she wanted to pay it over 12 months, 1st payment no problem then the trouble starts, when asked why the second payment is missing she reveals that the purchase is between her and 6 siblings and now their turn to pay, to cut a long story short the most of the money was paid with maybe a few thousand short after lots of phone calls and unfriending on facebook. By the way when the woman went back to US the business failed and the car was broken. But lesson learned and no matter what the sob story the ATM is permanently closed to everyone.