45% less 9 points for each of three unpaid friends
Friend debts use Life Money, a score inside the Life simulation. Life Money
never enters your token wallet and cannot be staked.
Money you owe
🤝
800 Life Money borrowed from Sam · day 9 of 14Sam is still on your board, but he earns you nothing while this is open.
On day 14 the debt defaults, Sam is gone permanently, and your chance of winning any friend
back drops by a further 9 points, to 9%.
Day 9 of 14. This reminder remains on the asset board until the
debt is cleared. A once-daily account message is sent only if the relevant notification
preference is on; switching notifications off is always respected.
Risky actions
The consequences are written out before you press anything, not after.
Choosing one opens a warning you have to read, carrying a fact signed off by our clinical adviser.
💸
Borrow 800 Life Money from a friendThat friend stops earning you anything from the moment you take it. You are
reminded of the debt every day. On day 14 it defaults, the friend is gone permanently, and your
recovery chance drops 9 points.
🗣️
Ask a friend for money you do not intend to repayThere is no debt period and no day 14. The friend is gone the moment they hand
it over, and every future friendship starts from a worse position.
The three you have already lost
🤝
PriyaBorrowed 400 on day 3 · defaulted on day 17 of run #2
−9 points
🤝
DannyBorrowed 650 on day 1 · defaulted on day 15
−9 points
🤝
MarcusBorrowed 300 on day 6 · defaulted on day 20
−9 points
Three defaults, 27 points off a starting
figure of 45%. Friends are one of the two things that can be won back — both ways are published on
the recovery page, at the same size, before you lose anything.
Before you borrow
The 800 is Life Money, not a wallet top-up. It can cover simulated
living costs, but it can never be moved to Betting. The relationship cost still applies.
Learning tokens stay separate
Borrowing changes Life Money only. New wallet tokens still come only
from a completed lesson or quiz milestone.
You are about to borrow 800 Life Money from a friend. It cannot be transferred to
your token wallet or used for a simulated bet.
What happens the moment you take it:
That friend stops earning you anything until the debt is cleared
You see the debt every day on the asset board; an account message is added only
when the relevant notification preference is on
On day 14 the debt defaults. The friend is gone permanently, and your chance of
winning any friend back drops by 9 points
"When someone borrows from a friend to cover betting losses, the money is usually
the smaller loss. What goes is the relationship they would have leaned on later, at the point
they need it most."
Source: Australian Gambling Research Centre (AIFS) — Gambling harm and relationships ·
approved by Dr Alice Brennan, 25 Jul 2026
You are about to ask a friend for money you do not intend to repay.
There is no debt period on this action:
The friend is gone immediately. There is no day 14 and no chance to put it right
Your chance of winning any friend back drops by 9 points, to 9%
Making new friends stays harder for the rest of the run
"When someone borrows from a friend to cover betting losses, the money is usually
the smaller loss. What goes is the relationship they would have leaned on later, at the point
they need it most."
Source: Australian Gambling Research Centre (AIFS) — Gambling harm and relationships ·
approved by Dr Alice Brennan, 25 Jul 2026
800 Life Money leaves your Life balance, taking it from 3,240 to 2,440.
Your token wallet remains 1,240. The debt is cleared in full — there is no part payment
and no interest.
Sam starts earning for you again from tomorrow
The daily asset-board reminder and any opted-in account message stop
Day 14 no longer applies, and your recovery figure stays at 18% rather than falling to 9%
Clearing a debt does not raise the recovery figure. The three friends already
lost stay lost, and only the Rebuilding trust module moves that
number.
