I hate owing money and will go out of my way to repay it as soon as I can. If I don't, I'll forget it and then they'll hate me forever thinking I did it on purpose.

On the other hand I always forget what I borrow people so it's always a pleasant surprise when I get it back. It kinda sucks if we both forget about it, but I guess since I don't remember it, I won't be bothered by it either.

also, guilt is the worst disease eva. Everyone who's played Trauma Center knows that if you had guilt, you'd definitely feel it.