It’s like anything you do in life you have to evaluwate your choices you make ,some people as you say,say “I don’t lend tools” others lend without a second thought,you have to devolope your own policy along with your policy you have to decied if it’s going to varible acording to who asking or set in concrete. If you lend tool you have to be prepared to never get them back and or tools after loaning tools out and have them being returned damaged. Whatever the outcome your the one who made that choice and your the one who will reap the benifits or negitive concequences for your policy and inforcing your policy or not.

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