am yisrael chai–
Thank you, but only one of us is worthy of your kind words. Hint – it’s “Moderator-80”, who was actually able to be mochel both the financial and personal offenses.
HaLeiVi–
Your way of thinking works to an extent, and I try to employ it, e.g. “take it from whom it’s coming”, “he/she has issues” and so on.
But I’ll say this too – even good things can have a downside, and a good memory has the disadvantage of being able to recall offenses all too well.