One possible version:
Hi! Alice,
I’m glad to hear from you.
Yes, I sometimes have the same problem.
I think if she really needs the money, you’d better lend it to her. You don’t need to worry too much. She’ll probably pay you back when she has money. If you don’t lend her the money, I’m afraid you may lose the friend.
I think everyone may have trouble in life and we should help each other. So when my friends need money, I will try my best to help them. Maybe I’ll get it back, or maybe I won’t.
I hope what I said can help you.
Yours, Liu Ming
写作思路解析
立意温和正向，不刻意拔高主题，借助立体多元的感官描摹构建沉浸式体验自然传递思考，行文从容不迫，不急不躁娓娓道来，展现出稳定的文字功底。观点贴合普通人生活体验，真实不悬浮。道理娓娓道来，没有生硬说教感。
本文范文仅作写作思路参考，请勿直接照搬抄袭用于作业投稿。
AI作文批改
作文打分：89分（满分100）
存在不足
部分段落推进过快，想法浅尝辄止，没有充分展开论述。素材类型单一，多角度支撑观点的能力不足。
作文优点
心理描写细腻，能够捕捉内心细微情绪变化，丰富文章情感层次。事件脉络清晰，行文流畅，阅读门槛低，理解难度小，受众友好。
综合点评
文字表达生动鲜活，擅长运用场景描写烘托情绪，叙事画面感较强，读者很容易代入文中情境。文章主旨清晰，情节推进有条不紊，段落划分合理。部分语句可以进一步精简，减少重复表述，让行文更加干练紧凑。
改进建议
优化开篇写法，精简铺垫，快速切入主题。学习运用情景过渡串联段落，减少生硬连接词语。