1. You only get paid back if u trust, it says “haminu bi”
2. the rishonim deal with a contradiction in one place it says borrow on me and i will pay u back, in another it says make ur shabbos like weekday and dont come on to people, big machlokes how to answer this, the mishnah brurah brings a machlokes when one duz not have money and has no idea if hell be able to pay back shud he borrow or not? he is machriah “hakol kefiy hinyan” which it appears to mean 1. the chances of being able to pay back. 2. the level of the person 3. possibly if he truly respects shabbos