A career counselor wrote the following to me:

I think people understand that it's a difficult time for you and if they are true friends, they will lend you money for whatever activity and you can pay them back later (when you have a job again) or they will understand that you can't do some of the stuff they want to do but it's just temporary, it's not like you'll never have a job or money again.

I rather not anyone lend me money unless I am desperate, but it is how I feel about friendships.