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It is extremely selfish to suggest you should never consider helping others or asking for help. It's like saying social safety nets shouldn't exist because everyone can become 'self sufficient' if they live life right.
"There is NEVER A SITUATION in which asking for dosh is acceptable, and you will be shot down every time."
Nowhere did you even mention anything about Suicidal or HoE, anywhere, so that argument is completely flawed. Stop being dishonest.
As for your other "argument "... there isn't one. You're just selfish. I'd much rather lend a little money to a teammate so they can get a better weapon and we can have a better team, instead of letting them die needlessly and having one less member and a hole in the squad. This goes ESPECIALLY for playing on highest difficulties like HoE, where bosses have much higher base health, are more resilient to players' attacks and deal much more damage to said players than on lower difficulties, so creating a healthy team environment, where teamwork is necessary to everyone's success, is vital.
But, I wouldn't expect someone like you to know anything about teamwork or being friendly to other people...