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I don't lend money. But I've had problems with loaning out tools. I don't do that any more either.
The people who don't have the tools don't know how to use them properly, so they are more inclined to break them. Plus, they don't value the tools since they didn't pay for them or work to maintain them. This one friend was the main problem, and he ruined it for anyone else who might have borrowed anything since then. It's been 15 years, and I still remember each of the 3 tools I let him use on different occasions and the poor condition he returned them in (or never returned them at all.) I've forgiven him in my mind and we're still friends, but it's amazing how I still remember.
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