You did it, you are a codie, and, that's what codies do, make excuses, guilt themselves into
believing that if they stay no contact they will be responsible if the addict overdoses, the problem with all that codie thinking is that the codie actually is not that powerful and has absolutely no control over another persons actions or behaviors.
I know, I am codie in recovery, been there, done that.
Dust yourself off, get back up on your feet and let go of him, forget about the money, you are just using that as an excuse to contact him. You and I both know he will NEVER pay you back.
Enjoy your holidays, be thankful that he is out of your life.