I have a debt greater than you think, and I think if I lent you. They don't know when you will be refunded. Because of this reason, it makes me not willing to lend money.
I owe more than you think, and I think that if I lend you the money. I do not know when I will return the money you have lost because of this it made I did not dare lend you money.
I owe you more than you think, and I thought if I lend you the money I don't know when I'll repay you all. Because of this, it makes me dare not borrow money from you