Way back then ..around 25 years ago I made the decision to lend a mate a 7.1/4" Skilsaw for his pergola he was building outta heavy Jarrah.
The saw was relatively new and then I saw no problem with the lending of it as he is an honourable bloke who does do the right thing by folk,the saw motor was consequently burn't out with him obviously trying to force the cut and not paying attention to the blade which had dulled after a lot of work.:(
He notably replaced the saw (which I still have)with profuse apologies about his lack of attenion to working the saw,together with the financial pain of a scotsmans purse he then had to endure.
I said to myself that from that moment on I would never lend tools so that no-one person would find themselves in an embarrassing situation with the necessity of having to replace a borrowed tool.:B
Money was tight for him then (not only was he a scotsman but he was also building a new home) but I guess the lesson he took from that which he later told me was that if he had of gone out and bought a saw for himself he would'nt have been in the situation he found himself in.
As the moral is wont to quote "Never a lender or a Borrower be"
Cheers:)