Wise advice about refusing money which is offered in ways that don't work for you

I'm reading "Banker to the Poor" by Mohammed Yunus, and was moved and refreshed by the combination of "acknowledge and move on" that is contained in this exchange with someone who has receieved the wisdom of old not to borrow money:
'when my mother died the last advice she gave me was never to borrow from anybody. So I cannot borrow.'
'Yes, your mother was a wise woman, she gave you the right advice. But if she were alive today she would advise you to join Grameen. When she  was alive there was no Grameen project. She did not know anything about this experimental project. Back then there was only one source she could borrow from - the money-lender, and she was advising you rightly not to go to him, because he charges 10 per cent per month, or per week! But if your mother had known about us, she would definitely strongly recommend you to join us and make a decent living for yourself.'
(page 96)