I don't want to lend money to my mother
Why don't you want to lend her money?
I have several reasons. It's easier to get left alone by my friends when I don't help her. If she says that, she doesn't like it something I did, which is often the case, I can say I did it because of her want for money.
It is okay to not mix finances with family. You are never required to lend money to anyone.
My mother just wants to be a dependable leech when she has it even been offered as an option.
I'm sorry you've had so much trouble with your mother and finances. You should tell her that it's your money and you aren't going to lend it to anyone at all.