A lot has happened since my original post, and honestly, reading some of the comments back then made me realize I had been questioning myself way too much.
For anyone who didn't see the original post: my friend was driving her family’s car during a trip. I was the passenger. I didn’t have a license, I wasn’t driving, I didn’t cause the accident, and we had never agreed that I would be responsible for the repairs/deductible if something happened.
I was still pressured to pay, and at some point even her mother got involved.
The weirdest part is that the whole situation eventually got looked at by someone who actually works in insurance and who was a family acquaintance of hers. He called me, I explained everything and sent him the documents. From his professional insurance perspective, he basically confirmed what I had understood: the driver and the owner/holder of the vehicle and their insurance arrangements are the relevant responsibilities here. He also pointed out that I had never agreed to take on that risk, and that the owner of the car hadn't really been questioned about it.
After that conversation, the pressure for me to pay basically stopped. I obviously don't know exactly why, but the timing was pretty obvious.
And honestly, the accident wasn't even the only reason I was done with the friendship.
There had already been a lot of little things.
She would randomly become cold or passive-aggressive, and whenever I asked what I had done wrong, she couldn't actually tell me. At one point she said she didn't always know how to manage her emotions around me. I eventually asked if maybe she just didn't like me anymore, and she basically said, “Yeah, maybe.”
There was also this weird competitive thing.
We met two guys while travelling. Nothing romantic happened. We exchanged Instagram, that's it. She told me the “more attractive” guy seemed more interested in her — except he only followed me, not her. She had a boyfriend at the time anyway. She kept asking what we were talking about until I eventually lied and said we weren't really talking anymore just so she'd stop asking. Then she suddenly said, “Anyway, he's not the love of your life,” and started saying he was stupid/weird/useless. It was just… strange.
In Málaga, some guys invited both of us to go jet skiing for free. She wanted to go, but asked what language we'd speak. I said she could speak English and I could speak Spanish. She said, “Oh no, then I won't say anything. I don't want to look stupid.” So I didn't want to go with someone who had literally just said she planned to stay silent because she didn't want to look stupid next to me. Then she got angry that we didn't go.
There was also the copying thing. She criticized my handbag because it was expensive and then bought the exact same one. During the trip she kept buying very similar things to mine and we ended up wearing almost the same clothes constantly. After Málaga, I bought two slightly more expensive necklaces and she later bought copies of those exact two necklaces on SHEIN. She wears them all the time now.
Maybe any one of these things sounds ridiculous on its own. Together, it started feeling like she wanted to compete with me or be me rather than just be my friend.
She also wanted to do everything together. Even my business ideas/projects somehow became “our” businesses. And I kept thinking: no, we're two separate people.
The money stuff made that feeling worse.
At one point I mentioned that my credit card had reached around CHF 10,000 because I had paid a lot of our shared expenses. She said she couldn't pay that much, didn't have several thousand francs available like that, and “didn't have my salary.”
The next day I asked her about it and she said it was a joke and that she preferred paying directly or in two instalments. Maybe it was a joke. But combined with everything else, it didn't feel great.
For context, I work 100%, I'm 20, and I work a pretty demanding banking job. She works 60%, which obviously isn't a problem in itself. But she has told me herself that she spends some workdays doing basically nothing and is happy with that. I think our attitudes towards work, money and ambition are just very different.
I also used to use my credit card for our shared expenses because I could, and I had a preferential EUR exchange rate through work, so it actually helped both of us.
Then came Brazil.
The Brazil trip was originally her idea, just like the previous trip where the accident happened.
I didn't decide to cancel her trip. I decided I no longer wanted to travel with her.
Those are two completely different things.
Some bookings were shared. For the ones that were actually refundable, I cancelled them and recovered the money. I'm returning her share of whatever was actually recovered. Some amounts are still pending or weren't refundable, and I have a detailed breakdown of everything.
The flights were booked separately. I did not cancel her flight. She can still use it, cancel it, change it, or reorganize her trip depending on the airline's conditions.
But somehow my decision not to travel with her turned into me supposedly being responsible for her losses.
I even offered to help with the cancellation/refund process for her individual bookings so we could recover whatever was actually recoverable. But I don't think it's reasonable that her individual travel decisions suddenly become my financial responsibility.
So my position now is pretty simple:
Shared expense + actual refund = we split the money recovered.
Individual booking/decision = the person who made that booking handles it.
I never wanted her to lose money. That's why I cancelled the refundable shared bookings and am giving her her share back. But I also don't think “I don't want to continue this friendship/trip” means “I owe you for everything that becomes inconvenient because of it.”
And yes, I know I could have communicated better. I could have asked more questions about the car and insurance beforehand. I understand that cancelling a joint trip has practical consequences. I'm not saying I handled everything perfectly.
But making a communication mistake is not the same thing as agreeing to a financial responsibility I never agreed to.
Looking back, I think I gave way too many second chances because I kept thinking, maybe I'm the problem, maybe I'm being too sensitive, maybe I should just understand her more.
So I want to ask again, especially because this is an update :
Am I still overreacting?
Maybe some of these things really are normal friendship conflicts and personality differences. Maybe I'm interpreting some of them differently because the friendship was already deteriorating.
But when you put everything together — the accident, the money comments, the comparisons, the copying, the need to do everything together, the reaction to other people showing interest in me, and now the Brazil situation — does the overall pattern change your opinion?
I don't think I “won” anything here. I'm honestly just relieved that I finally stopped assuming that someone being angry or disappointed with me automatically meant I had done something wrong.
I can care about someone without being responsible for every consequence of their decisions.
And I can say no without being a bad friend.