This is stupid. How about you just give a twenty, I don't give you anything, & we call it even.
A person asking to "borrow" and is trustworthy will ask for only what they need then pay you back at the promised time. (friends, acquaintances and trusted family members)
The person who is not trustworthy is attempting a scam and will offer you more in return and still never pay you back. (junkies, thieves and used car sails-men)
I'm not a gambler.
No. I don't believe in getting something for nothing, not even $2.