Thanks for openly confessing that I lent you money :-P

Oh ok... when I read it as "hesitate to collect a long overdue financial debt", it confused me, because for me there is no loosing "amor propio" in going to collect what somebody owes me and is rightfully mine ;-)

Would have been more clearer if it read, "Like for example, a person may hesitate to ask for a long overdue financial debt or item borrowed because to raise the matter face to face may place a person’s amor-propio at risk and can cause the latter to flare up"