Forgiving debts

After considering this subject for many months, it seems to me that there are at least two parties involved in each transaction. So often I hear of lenders accusing borrowers of not being responsible, yet not being responsible themselves for their own part in the transaction. A lender's responsibility includes managing his own risk. Blaming another person, I believe, is not being responsible.
Often there is more opportunity for both borrowers and lenders to learn if they are willing to forgive each other for their part in any problems that arise in the transaction. We all make mistakes. There will always be at least some errors of judgment. We may overlook some important details. I believe there is much more value in learning from our mistakes than there is in blaming others or ourselves for the time things do not turn out as expected.