I think I want to let people keep some of the money they owe me as a Christmas present.
Wow that is really nice of you. What prompted you to do this?
I think now is the crucial time for me to promote good will. I want to spread cheer.
It's nice of you to do that, but these people should return their loans to you. You will just confuse things.
I'm only trying to be nice. If they want to reimburse me, they can.
You are such a generous and kind person. It's almost like you're playing Santa for them, and I'm sure they'll be grateful to you for it.