it depends on the person and the reason. there’s a few I would hear out and a few I would block

Depends on what frame of mind I'm in, I may not respond to anybody. But in a good frame of mind or mood, I'd respond.

Pick up where we left off

Nothing

Here’s an opportunity to be petty… or not… I engage… if I hear an apology or explanation of some sort that “checks/passes”, I forgive but don’t forget… If I don’t, then I continue to engage and make them think that I’ve been lured in again, and then ghost. I’ve only done this once but it was oddly satisfying to me.

scearm

Depends on the context. If they are wanting something from you immediately after a year of absence, thats a red flag. If it's just to reconnect, approach in good faith. Life is hectic and sometimes things drop off your plate that you don't mean too.

In case he wants to give back the money you lent him ...

Unless you're super weird like this person I ghosted (you aren't, far from it), I'd say ghost them back or at least become suspicious of them. Who knows if they will ghost you again for no reason.

if the person who ghosted me just texted me out of nowhere, the first thing I hear from them should be an apology, or at the very least an explanation, not really interested in hearing anything else, that is the bare minimum starting point, if I don't hear that I'm not responding