I do.
There are several factors at play, if you think about it, which I don't, and I doubt others seriously ponder them, either.
1-The borrower either knows me directly or through someone who does, and has considered the consequences of a mishap. (small town)
2-The borrower accepts those risks.
3-It's more fun than not doing it.
4-The potential benefit is very desireable: more riders, on whatever they decide to ride.
All that in a split second, so I say yes.
I'm going to die, anyway, sooner or later. Why muck it up over a bike?