It really depends on the person.
I recently loaned out a Festool 1400 for a few months to someone that needed to replace all of the doors and jambs in his house. I've seen him with tools though, so I knew the router wouldn't be a hazard to him. He could also pay for it, if he broke it. A year or so ago he gave me probably $250-$300.00 worth of 20ga. shotgun ammunition he had no use for, so I think it was an equitable arrangement.
It really depends on the person though.