be honest you are not stupid ar, lots of people are liked you, including me....so, pls don;t be too upset....
tell u my story...when i was young (in high school), I really really wanted credit card, so I met a guy (he is fat & short) on a street. we talked, he looked liked a nice guy. I told him that i wanted to have a credit card, he said he would help me apply one as I could put my employer at his friend's shop. ok, finally I got it! but i was so scared that if my mum find out.....so, I let him use it....he promised that he would pay off the credit card.....after few months, I had to study overseas in the U.S, I didn't know that he used my credit card over 1萬元....the credit card company called my mum....then, my mum found out....of course, finally my mum paid for it....she was worried about 大耳洞...anyway, i learned a big lesson....not to TRUST people...even friends....you only can lend $ to your family coz they are the one really need our help!!!!