since my tools provide an income for me and i am very attached to them i do not loan tools to anyone. sometimes a neighbor or fellow carpenter will continue to ask to use them so i need to follow up their question of "can i borrow your so-and-so tool?" with a question of my own "can i borrow your wife?" by using a bit of humor i get my point across. most times when its a neighbor who asks i'll just offer to go and do whatever it is that they needed the tool for. not only does it ensure that my tools are not abused but many times it has led to some paying work or referrals and gaining a new client.
S.M.Titmas.
"...I had field experience, a vocabulary and a criminal mind, I was a danger to myself and others."
-Anthony Bourdain