BPD and Loan Repayment: Understanding Borrowing Behavior
Many people wonder if individuals with Borderline Personality Disorder (BPD) are trustworthy when it comes to repaying loans. Does a BPD individual lend something large with the intention of repaying it a year later, only to lie and claim the money was a gift instead of a loan? Let's explore the complexities of this situation.
Common Misconceptions
First, it's important to address a common misconception: Do NOT loan ANY Cluster B individuals ANYTHING EVER!
Regardless of whether a person has BPD, their ability to repay a loan is influenced by a variety of factors, not just their mental health condition. People without BPD can just as easily be incapable or capable of repaying a loan. One must evaluate the individual's circumstances, much like a financial institution would. Factors to consider include employment stability, income, living expenses, and the purpose of the loan.
BPD and Loan Repayment
People with BPD do not inherently have a propensity to lie about loans or repayments. The likelihood of repayment depends on the individual's current emotional state, their relationship dynamics, and their current circumstances.
Devaluation: BPD individuals may devalue you and cut you out of their life entirely, leading them to make excuses for not repaying the loan. On the other hand, an idealization may prompt them to attempt to honor their commitments. However, if they face financial difficulties, psychological distress, or a personal crisis, they may rationalize the non-repayment by claiming it was a gift.
Examples and Personal Experiences
A notable example was a situation where the individual had lent money to a non-clinical (NT) person who initially agreed to repay it. However, the person later treated the loan as a gift, despite no such agreement being made. This highlights the malleability of such behaviors and the influence of the individual's state of mind when the loan comes due.
Another person with no financial means and no employment history has emphasized that they simply cannot lend money, as they have no stable income source to repay anything. This situation is more commonly associated with Narcissistic Personality Disorder (Narcissist)
Conclusion
There is no one-size-fits-all answer to this question. The outcome can vary based on the individual's circumstances and their emotional and mental state at the time of the loan repayment. Individuals with BPD are prone to impulsive behavior, such as gambling or compulsive shopping. Their attitudes and feelings can change drastically, leading to a sudden shift in how they view the loan or the person to whom they lent the money.
Given the unpredictability and emotional volatility associated with BPD, it is strongly recommended to avoid loaning money to individuals who have BPD. This is particularly true if the individual has outstanding bills or obligations, such as education expenses.
In conclusion, while loan repayment practices are not solely determined by BPD, the unpredictability and emotional fluctuations associated with this condition make it a risky endeavor. Proceed with caution and avoid financial risk by not loaning money to individuals with BPD.