When someone is asking to borrow a tool what do you say?
A question right back might help to keep everyone honest. "Do you want to borrow it temporarily, or permanently?"
Mostly that one is just for a chuckle with friends who are going to have it back in a few minutes, but I negleted asking that a few weeks ago, and I'm still waiting. Nothing dishonest, just a space cadet.
I'm very careful about returning things quickly and tend to think everyone else is like me. Turns out there is a lot of variety.