Why would I expect a friend whom I value to repay me? I have given, both in gifts and loans both implicit and explicit, much of myself, my time, my money, my worldly possessions over the years. If I held non-repayment against them, I think that would say more about me than about my friend.

A non-friend? Sure, that might be different.

Anyone can be forgiven of anything, if you are so inclined. No "signalling" required.