^ rekmeyata^

I believe it's all about character. I've found there are two types of borrowers....
one is the type who is in genuine need. Appreciates the offer, respects the owner and will treat it like their first-born. And sometimes return it in better condition than received.
The other type looks at borrowing like finding money on the street. Easy come, easy go. If the owner needed it so badly, he wouldn't have handed it over, he can afford it...he's washed in cash.
Blame the parents...I find that this attitude has early roots.

[now to some humor]
After a while one can detect which type they are. I had a family member who is quite the exploiter. Always borrowing my quality tools, abuse them and wreck them. Then return them as is. Claiming that I stated they had a lifetime warranty, so no harm done, I can go get replacements. So, I picked up a set of CHEAP hand tools...all the pieces that she would borrow. She knew how expensive my mechanics tools were and wouldn't invest in some. These would be packed in a little tool box just for her. She would round off stuff, slip and bend stuff, she comes back cussing. When she comes back for another round, the same box is handed over. On the power tools side, she once borrowed our circular saw, and subsequently burned up the blade, no reimbursement. Once she saw my DeWalt 1/2" hammer drill. Wanted to borrow a drill, I handed over a cheap under-powered 3/8" Black & Decker which overheats and shuts down. I think it took her all afternoon to work on a deck. It took a while, but people eventually get the message.