I have an odd question

And I thought maybe it would be controversial so it could maybe be discussed here

Let’s say, you ask to borrow some money from a family member or friend.

The person loans you the money, and then passes away before you are able to pay them back.

The person is single (without a spouse, and did not have a will in order)

Because the person is deceased, do you owe their children the money? Or do you keep the money for yourself.

Because it is a private loan, would you give the money to the first born or would you choose what child may seem to need the money most when paying it back?

Would you pay back the money to the child of the deceased if they were over the age of 18 and living on their own versus if they were in the care of the mother at the time?

Would it be different if you owed the deceased $100 or less versus $500 or more

Who receives the money from a private loan if the person you borrowed from passes?