For An Alternative Rush

I am not a fan of lending people money - i personally would rather get a payday loan then ask someone if it was okay to borrow money off of them.
So being sure that I get paid back on time is a very big deal to me. I always try and let the person know, who is usually a family member, that I am not a bank and I can not report you to the credit reporting agencies if you do not pay me back on time. So this is why I am always hesitant of borrowing or lending money to family members. Just because I tend to be a bit lax when I am asking them for the payback. I mean how are you supposed to call your cousin and hound them for money - its blood! I could never yell at a member of my family and I would hate to get mad at them.
So this is my main reason why I never like to loan any family members and sorta money. Its just wise on my part - I dont want to let there be a chance for bad blood between us. So please take my advice before you try and lend out a payday loan or a cash advance to a family member instead hold off for a bit and just try and show them other ways that they can get the money!