Especially from a lady friend or plate? It sounds like a stupid question but I've had an experience where an ex stuck it up me before saying she spent all that and that I owe her. Now I'm afraid to even ask or reach out for help. Unless of course, if it's a real emergency.

So whenever a plate offers to help, I just say decline because I see favors as a sort of debt. People can use it against me to leverage for something they want