I definitely agree. Not long ago a friend borrowed what I consider to be a rather large amount of money from me and I had to chase him down to get it back. Every time he would pay me back a piece of it he was treating me like I was stealing from him. Now we barely ever talk to one another anymore. The loan destroyed our friendship. I learned my lesson.
Yup, it's the same here and if you give to your sibling the misery is even worse. It's hard to ask for what is yours for years and be treated like a thief. The fact they already do that means they are great in manipulating. That alone should be a warning. I also learned that in the end if you want your money back they are pissed. If that's the case we can say NO and make them mad without those weeks, months, or years asking and hearing all those excuses. It's a lot of stress.
I'm sorry it destroyed your friendship but I also think this wasn't a friend. Friends know you can't afford it or pay back without making you feel like a beggar.
Thanks for sharing your experience.