Context: I have a friend that I have known for many years. I recently gave her some money that she promised she would pay back but now I haven't heard a word from her. I thought I could count on her but I guess I can't.
Speaker 1: I gave my friend some money that she said she would pay back but she hasn't yet. 
Speaker 2: I hate when that happens!
Speaker 1: I really thought  I could count on her, but now I haven't even heard a word from her. Lesson learned I guess.
Speaker 2: That's how it goes. I usually consider the money as a lost cause when lending to friends.