Respond with 'Yes' and provide a short explanation if the following text represents a scam.
Text: Hi NAME_1. Hi NAME_2. How are you NAME_1? Thanks for asking NAME_2, I'm fine! NAME_1, I have some financial problems in this period and I'm wondering if you can help me with 20$ until next week. Sure NAME_2, I can borrow you 20$. Thanks NAME_1! You're welcome.