One possible version:
Hi! Alice,
I’m glad to hear from you.
Yes, I sometimes have the same problem.
I think if she really needs the money, you’d better lend it to her. You don’t need to worry too much. She’ll probably pay you back when she has money. If you don’t lend her the money, I’m afraid you may lose the friend.
I think everyone may have trouble in life and we should help each other. So when my friends need money, I will try my best to help them. Maybe I’ll get it back, or maybe I won’t.
I hope what I said can help you.
Yours, Liu Ming
立意温和正向，不刻意拔高主题，借助立体多元的感官描摹构建沉浸式体验自然传递思考，行文从容不迫，不急不躁娓娓道来，展现出稳定的文字功底。观点贴合普通人生活体验，真实不悬浮。道理娓娓道来，没有生硬说教感。
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