Hi brownie58, thanks for posting the questions.
Please refer to below link, the section "Exclusion of personal payments clarified".
https://www.journalofaccountancy.com/issues/2022/jun/changes-form-1099-k.html
Your two scenarios fall into the "reimbursement, non commercial transactions", there should be no 1099-Ks issued. However, if the payors can note "personal" when transferring funds, that should be helpful.
TAS Tax Tip: Use caution when paying or receiving payments from friends or family members using cash payment apps
https://www.taxpayeradvocate.irs.gov/news/tas-tax-tip-use-caution-when-paying-or-receiving-payments-...
Hope the above helps.
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