Some outsider comments (but not on the main 2 viewpoints--I'm not competent):
(1) Brother Mongeral used the word "lagniappe" which is a Cajun word meaning, in its best sense,
an unexpected or indirect benefit--a beautiful thing that's much too rare in our "I give/ I get in an exact 1:1 ratio" culture.
(2) Brother Pac55 mentioned
perspective--I'd add proportion and/or context to the mix, or may be reading a situation and your comfortability with it. Brother Mongeral mentioned getting burned a few times--I'm guessing he shrugged his shoulders, learned from his alleged mistakes but did not get hardened or calloused by them--"Better 1 guilty man go free than 99 innocent suffer".
(3) Greengo highlighted Kiva.com, a peer-to-peer microlending organization with a 98.5% repayment record. Another is The Grameen Bank, a Bengladeshi bank that also deals in microlending. It's been in existence for over 30 years and has an excellent track record of helping budding entrepreneurs worldwide achieve self-sustainability. They are a strictly NGO outfit.
http://en.wikipedia.org/wiki/Grameen_Bank
Perhaps if more Chicas knew about such outfits and were more resolute, there'd be fewer RFM's from both the needy and the greedy. Also hasn't Brother Prolijo talked about a CR organization that helps Chicas get out and stay out of The Life (relax, lads, there'll still be plenty left at a good price.)?