I'm not going to give my in laws any money
Why did this come to mind?
They're a bit too greedy in the whole thing.
It's fine that you don't want to lend money. People will start depending on it too much.
My parents in law want to bankrupt me by asking for a loan that costs $200,000.
I can see why you're upset. That is way too much money to ask for. Have they tried loaning from a bank?