Ray: Why don't you see how many doughnuts you can get in your mouth, Dad?
Frank: Oh, they're all going in. But let me tell you something about giving money: First of all, you never just offer it to anybody. They gotta come to you with a really good reason and a whole plan to pay you back. And then, only after they prove they're good for it, you tell 'em, "Beat it, loser."
Debra: So you just humiliate them?
Frank: No. They shame themselves. They learn a lesson. And if they don't, screw them. Who needs friends like that?