Depends on who's asking.

As I write this the fork and both wheels off of my tandem are on a friend's bike. A week and a half ago his tandem was seriously damaged when his minivan was rear ended and totaled. Now this is a couple that I've known for over a decade so I'm pretty comfortable with the situation. I have no use for that tandem right now and I know they'll return the favor and make it right. FWIW, their replacement tandem, already on order, is a Santana Team Titanium. Nice!

My sons work on their bikes in my shop, but they know better than to remove any of my tools without asking. If anybody else wanted to borrow bike tools, I'd suggest they bring whatever they're working on over here.

Other bikes I'll loan out but I'm selective about what I'll lend to whom. Basically my feeling is that I'm risking a bike for a friendship. Only my closest friends are going to get the good stuff - basically, people who ride and respect the value of better quality bikes. If my neighbor wants to borrow a bike for a friend or grandkid, they're going to get a beater.