Prayer is an exchange of things for that which we desire. You should not pray for people better off than yourself, nor for those from whom there is no return or ruin will follow if your prayers are answered. Brings me to Charity.
Charity will likley not be repayed if there is not an agreement to repay when circumstances allow. It leads to ruin otherwise.
Sorry is with a system of repayment or an excuse for escape. Do not trust a serious offender in a similar position again God says.