I find it personally helpful to do tshuva on the spot. At the moment you discover something wrong, do it pronto.
When accepting a loan, tell the person that they can remind you of it but that usually you remember anyway, and please be mochel just in case something happens. It’s better to cover your bases and have a backup plan “just in case.”
As far as being ???? on something that you have no idea about, well, I have no idea either, other than to have in mind when we say ??? ??? ?????? ????? ??????? ???? ??????.
And btw, we are hopefully ALL ???? ????? at this time of year.