How do you persuade someone who's been irresponsible with your money to give you a refund?

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How do you persuade someone who's been irresponsible with your money to give you a refund?
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they aren't legally obligated to pay you back. But they are ethically obligated. What's a good choice of words to persuade them to give you at least some of your money back?

âˆžinfinitiâˆž

Withhold lending them any more money or giving them any other favors until the money is paid back.

Republiclowned

a brass knuckles and a pistol, meet him in the carpark then drop some of his teeth clattering on the concrete then do a gun tension on his temple. might work but i havent done it

TaxPayer

Divorce them.

Floyd

Physical intimidation.

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