1. if one’s servant, guard or driver takes a loan from his master/ boss and promises to return back gradually and later on he/she asks to waive it as a zakat, is it permissible? is there any way around.

2. Secondly, a person is in need of money for his treatment and it is taking a lot. In that case, people around him ask if Zakaat can be given to him as they cannot give any more Sadaqaah? the question arises as that guy may have a regular income or other properties which can be sold for his treatment.