RC your type of approach to this just enables the bad behavior. What ever you say will have NO effect on this type. They will promise the moon and the stars, and never, ever do any of it. The time to teach this leach good money habits has long passed. Maybe for a young person that is WILLING to improve it might help.
I have a brother (55 y.o.) who has never had a job for more than a few months a year. He sponges off of who ever he can sucker for a place to stay, a few beers, food or money, what ever. My parents enabled him for years until they got to the place where they didn't have it anymore and my sister stepped in and stopped it. Dad once said, "Am I supposed to let him live under a bridge?" My response: "YES!". His latest scam was some sort of government education money, he lived high for awhile until it ran out. He's a likable guy, fun to talk to, could be your best friend, the ladies like him, but it's all part of his survival game. I wonder what he will do when his old-lady girl friend dies (she's up in her late 70s), my parents are gone and he has no retirement income, not even SS. Honestly, at this point, I don't care. He can go live under a bridge (it's Sun Coast Florida so he won't freeze at least) and be buried in a paupers grave, not that I would know about it, he's younger than me. My attitude is not real Christian but I know what I'm dealing with in him.
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