Must the lender demand the money from the debtor after having intended to donate it to him, when it became clear to him that the debtor is not in hardship and is evading the repayment of other debts?

If the intention and the wording conflict when giving money, such that one gives money with the wording of a loan while intending it to be for the sake of Allah, then what matters are the intention and the objectives. So, if he gave it as charity, it is not permissible to take it back, and he will be rewarded, even if it becomes apparent that the recipient of the charity is not in need, based on the hadith of the man who gave charity to a thief, a harlot, and a rich person, and his charity was accepted.