Why do many laolai obviously have money but are unwilling to pay it back?

There may be many reasons why Lao Lai doesn't pay back the money, but the main reason may be that they think it is more cost-effective not to pay back the money. Maybe they think the interest rate is too high, maybe they think it is unnecessary for the borrower to borrow from them, or maybe they think the borrower has got enough income and doesn't need to pursue more returns. In addition, some Lao Lai may deliberately deceive borrowers, or they may have gone bankrupt or the capital chain is broken, so they cannot repay.

In addition, some laolai may deliberately delay the repayment time in order to take advantage of the borrower's financial difficulties to seek greater benefits. Some laolai may have to default on their debts because they can't get more credit because of personal bad behavior or bad credit records. In short, Lao Lai has various reasons for not paying back the money, but in any case, he must abide by laws and regulations and earnestly fulfill his repayment obligations. At the same time, borrowers should also be cautious in borrowing money and avoid dealing with Lao Lai, so as not to cause unnecessary financial losses.