I have a stupid question... I think

[Teeeens33]

If I lend some one 20.00 and they pay it back 1 week later. They then ask to borrow 20.00 2 weeks later. They then pay that back 5 days later . Then borrow 20.00 again 1 week later.... and it just gos on.

My ex told me if that keeps happening im never actually getting my 20.00 back. Is that true. He's confused me 🤣

The difference is OP has agency and there is more than one transaction in the chain. This is why in the cow question the answer is £400 - an intermediary made the £100.

If someone asks "Do you need a parachute to jump out of a plane?" the answer is clearly 'No'. But if you look at it laterally, you only need the parachute the first time if you want to jump out of a plane for a second time.

The borrower, by repaying, is giving OP a metaphorical parachute. But when they stop repaying the parachute has failed.

Until then, OP is sometimes at risk but the borrower is not.