Sadly true.
I find such sour cynicism distasteful. We do need to treat others with dignity, respect and empathy. We can do that without being stupidly gullible.
If by cynical you mean being realistic, then your are right. I have borrowed thousands of dollars to "friends" that I will never get back. Enough of that.
Hmmmm. Then it is either I have a shitty heart, or all my friends are beggars, liars, etc.... Not sure which is the most offensive part about that statement...
People have a tendency of confusing kindness with weakness. It's happened to me far too many times.