It would be highly unusual for me to need to borrow a tool from someone else since in my very small circle, I'm the one with the tools. I have borrowed a tall extension ladder once from a neighbor who is a contractor when he was working next door, but I only had to move it about 20 feet. (Needed to replace a second floor bathroom exhaust vent and couldn't reach with my own ladder) But otherwise, I really cannot remember ever borrowing a tool from a friend. I guess that my borrowing/testing a few Festool products from "Uncle Bob" back in the day is a different kind of thing.

I can count on less than one hand the number of people that I would lend a tool, just to level set.