Timely Help

Kaalatthaal seidha udhavi siridheninum gnalatthin maana peridu - Tirukkural

Timely help, however low in value, is worth more than all the world - Loose translation.
There I was, as usual, with a friend asking for advice. (I know, by now you are wondering why I go to the guy since I invariably get the stick but what can I do? All my friends are like that)
"Rohit is so ungrateful, yaar. I mean, you know at yesterday's party to celebrate the success of his venture he was going on and on about some Rs. 50000/= that Shyam had lent him when he was starting out. And not a word about the five lakhs I lent him just a week back."
AND the chap comes out with that tagline at the beginning of this post. What is with these guys, they cannot formulate their own sentences and have to come out with obscure quotes that make no sense. I mean, the idea of the world being worth less than Rs. 5000/= (though they do say that with climate change and all...).
I asked him rather peevishly what he meant and he says, "Well! At that time, no-one was willing to risk lending money to him and Shyam did. Which is why he could even start this venture, which is now such a success. Now, people are queuing up...so, if not you, someone else would have given him."
"Come on! I have given him ten times the money. And I would have given him then but my FD was maturing only in another six months and you know what interest loss would have been there if I had broken the FD then."
"So, you will help only when it is convenient to you not when the other guy needs it. What's the point talking to you anyway? If someone is dying of thirst at your doorstep, you are the sort of guy who will want to finish your shave and morning ablutions, dress up so that you can go out and give him a glass of water. It will not even cross your mind that he may die of thirst before you are done."
"There you go too far. When have I ever shaved, with this beard? AND my idea of dressing is only shoving a T-Shirt over my torso, so..."
His eyes were bulging and throat working convulsively. Before he went down on his haunches and started croaking, I asked, "Are you alright?" while slowly edging towards the door.
Thankfully, the chap recovered though his face looked like a sun-burnt tomato.
Clearing my throat nervously I asked him,"So, you were saying..."
"Listen! Who would the Ambanis respect? The chap who lent them a lakh when Dhirubhai Ambani was trading polyester yarn in his initial days or the banker who lends them thousands of crores now?"
I wanted to ask who that chap was, and whether there was such a chap, but one look at his red face and I stopped. No-one can say I am not concerned about my friends.
"Well?" he asked.
"I think that it must be...err...the banker. After all, the chap would want his money back with interest whereas, you know, bankers..."
There was such a dreadful noise from him that I fled precipitately. Now, I cannot seek any clarification from him...he has apparently been diagnosed with chronic hypertension and been told to avoid all stress. AND, you know, he and his wife somehow seem to have the impression that the doctor told him to avoid me.
So, now, will someone please tell me why Rohit is right in praising Shyam and not me? I'm sure he is not but if you think so...