Am I wrong for telling my friend his dad is a thief?
I have a best friend, we will call Derek, who I believe is being taken advantage of monetarily by his family member. As far as I know, Derek does not have much money, and works hard 10-hour days in the food industry as a waiter to get by. Derek's father, we will call Ralph, seems to me like he is taking advantage of Derek. Over the past few years, Derek has lent Ralph >$10,000 to cover his rent. Ralph asks Derek for money all the time, and always says he'll give it back soon, but he never has. Additionally, as far as I can tell from online social media posts, Ralph is living a somewhat lavish lifestyle. He was a young dad, and is currently 42 and going clubbing every weekend, owns a boat, and golfs multiple times a week etc. Derek does not live this kind of lifestyle, and in fact has never been on vacation or left the country we live in.
Ralph has dreams of owning a restaurant, and in the past when we were kids he had a pub for 2 years that went belly up pretty badly. Recently, Ralph has begun a grand idea of this unique kind of bar + franchise chains (I wont share much details but its kind of out there, its a cool idea I guess). Recently, he's been asking Derek for a lot of money to help him get set up. Derek always says yes, he's a generous guy, and Ralph always asks. Ralph has promised Derek "millions of dollars in return" once his business takes off.
Heres the thing, I don't trust Ralph at all since he has never paid Derek back in the past, and who knows how this this new thing will work out. The other week I was getting dinner with Derek and he told me he didnt have enough for food, so I bought his. I asked him where all his money is going and he said Ralph's restaurant. This really frustrated me and has been something I've been watching unfold for years. Derek barely does anything and lives in a studio apartment, while it seems Ralph does as he pleases with Derek's money. I told Derek he needs to stop investing ASAP, and if anything demand some of the money back, and that he needs to focus on himself finally.
This caused a fight between Derek and I, as he insisted he has to help Ralph and in the end this will work out great for him. He insisted that he'd get his money back, plus everything he lent over the years, and then he'll use it to make moves in his life. I told him I dont think thats actually ever going to happen, and that he's giving away money. While Derek continued to claim that everything is okay, eventually, this escalated and I told Derek his dad is a thief and a liar and is untrustworthy. This made Derek very very upset, and we havent spoken in a couple weeks. I've mentioned my opinion more nicely to Derek in the past, but I can't keep watching this unfold, I needed to say something more extreme I felt. Am i wrong?