Wow. You handled it well. I suggest just deleting his emails, messages. Don't even go there. I read it somewhere that sometimes, we just have to close that door. Not because you are angry or hurt, but because it leads nowhere.
Unfortunately, the emails continue. I received two long ones yesterday, one justifying that he can't stay with family when he visits them, and the other providing a detailed critique of me as a "prig," which is apparently a flaw that I don't see in myself. As he put it, "the money is only part of the problem." In truth, I recognize and acknowledge that I have some personal characteristics that are less than ideal. I could even see how someone who is more loosey goosey would call me a prig, since I am an orderly rule follower.
But it is still fascinating that someone who accuses me of insulting and condescending lectures has called me a lecturing, condescending, clueless, unempathic prig who acts like a school loan officer. And he will no doubt ask to borrow money from me again!
Okay, time to introduce a term to this group:
Zero Contact Protocol, or ZCP.
Normally used for manipulative, destructive or downright crazy ex-lovers - it is appropriate in this situation. You describe an unrepentant individual who will do nothing but harm you, and harm themselves. Emotional harm, financial harm - and possibly worse as they feel "betrayed" that they can't keep sucking on your tits any longer. WAHT? NO FREE MILKS!!" WAAAAHHH!!! MEAN MOMMY!!!!! I HATE YOU!!!! PLEEZ PLEEZ PLEEZ MORE MIIIILLLK!!!! MEAN MOOOOMMMYY!!! YOU ARE A PRIG MOOOMMMY!!!
"Has to" stay in a hotel when his family has offered him a bed for the visit? On your dime? Ridiculously demanding infant. Next, he will want you to come change his diapers for him. That is not a metaphor. And that's just the last of a long, long line of unreasonable behavior. He is not a friend and actively makes your life worse. He can't even follow through on his threat that you won't hear from him again - so, you have to do ONE LAST THING for him. Fulfil it for him.
CUT OFF ALL CONTACT. Set an automatic filter to send his emails to the trash. Block him on your phone. Shred any letters unopened. If you see him on the street, ignore him and keep walking. If he comes to your house, tell him to go away and keep the door locked. If he refuses, call the police.
ZERO CONTACT PROTOCOL.
Engage ZCP. NOW.