this guy sounds like a lot of people i've known who seem to me to know they're crossing the line but like confrontations. it's a nice little trap where you're a tightwad if you blow them off or you're a doormat for caving and they know they got over on you.
in a similar situation i told the same guy that i'd been burned before and so don't loan out my stuff anymore as a policy; that way he couldn't take it personally.
when it comes to replying to texts i don't completely ignore them, but i let them get real stale. i wait a week or week and a half and then reply and tell them how busy i've been and am. the message usually sinks in after 2 or 3 times of waiting that long to hear back.
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-my phobia drowned while i was gettin down.
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