I don't borrow tools, and I surely don't loan them. I even set up a "kid" tool box so my offspring can destroy the old no-name tools and stay away from my nice stuff. That way, they can find a screwdriver when they need one, but when they stick it in the grass as a marker and leave it in the rain for a week, it's no great loss. I'm trying to teach them to use tools properly too, and am trying to teach them to take care of the tools..ie, don't leave them out in the rain.

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2002 Ford ZX2
2 x 2013 Honda Civics