1. Your friend's behavior is a civil loan dispute, not a fraud, and it is impossible to bear criminal responsibility.
Second, because your friend and the woman have been in contact for a period of time, the public security organ will think that this is a civil dispute that owes money and does not pay it back. No one would have thought that your friend knew that the woman took her 20 thousand yuan to cheat her.
Third, so in this case, the public security organ will not file a case, and will tell the woman to take the evidence that can prove the loan to the court to directly sue the loan dispute. Even if she has an acquaintance and files a case, the public security organ will eventually find your friend, ask about the situation, identify it as a civil dispute and let them handle it themselves.
Your friends don't have to worry too much, but they still have to pay back the money they owe. Good luck.
Songmao lawyer