Yes, Naomi has a responsibility to understand the specific details of the opportunity before deciding whether to lend her money because ignorance is not an excuse.
This refers to the comprehensive appraisal of a business with the aim of evaluating its potential and assessing its risks.
Hence, we can see that if Naomi is a risk taker, she can lend her friend $100 with the promised return of $250, as far as she has a high-risk tolerance.
The decision of Naomi to lend the money if she is a risk taker can be classified as the post-conventional level of moral reasoning because she has moved beyond the perspective of her society.
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