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.