Money Loans and Friendship [1]

Borrowing money from a friend can seriously harm a friendship. A loan is likely to end up in an argument due to the odds of the borrower being unable to pay off the loan, especially if the borrower does not have a permanent job. Money will always be a tough topic owing to the difficult economic situation that many countries are experiencing, for this reason a loan can be more harmful for a friendship  more  [2] than problems related to gossip and misunderstandings.
From my experience, I have heard [3] many cases of people who borrow money from their friends when facing hard financial times, but they do not give the money back. This may happen,  because the borrower does not have the money but he or she intends to pay the money back, or the borrower just does not want to reimburse the  lent  borrowed  money and his intention all the time was cheating his friend.
This situation, where a loaner does not get his or her money back after having wanted to help a friend,  can turn the experience of doing something good to aid someone into a bad experience. In this case, the friendship is likely to end, no matter how long the friendship has existed. All in all, I think that one should only lend money to a friend,  when he or she is facing an urgent situation such as a health problem.

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[1] You may need one or more commas here.  Without any commas, you are presenting a list of two items: "money loans" and "friendship".  

If you meant a list of three items, then your title should have at least one comma:

"Money, Loans and Friendship"

Some people would also recommend what is known as an Oxford Comma:

"Money, Loans, and Friendship"

[2] You had already used "more" to establish a comparison.

[3] This doesn't really make sense.  I'll provide an exaggerated example to show why this does not make sense:

"From my experience, I have heard that walking on the moon is weird."  

If you are about to describe your own experience, you would start with "From my experience".  

If you are about to describe someone else's experience, you would start with "I have heard".

I would not normally be so pedantic on Italki.  However, your composition suggests your English is very good, so we can look beyond the usual spelling and grammatical errors.  The only weakness suggested by this composition is your use of commas.