I was taught when I was a pre-teen how to use many a tool by a master machinist that lived across the street from where I grew up. Later when I was about 16, he gifted me a set of hand tools wit the instruction to take care of them. My shop teachers also taught me to buy the best tools I could afford and that had lifetime guarantees. And all of these gentlemen told me to not loan tools or to ever sell tools as I can always make more money using them than I can selling them. Through the years, I've followed their advice and the only tools I've loaned were within the shop I was in or my hands came with them to make sure they were used correctly and not abused (my screwdrivers are not punches and chisels). I've handed some tools down to young men I've worked with often explaining that the tool is older than they are and giving the advice I received from others. But I still have never sold a tool and have not lost one due to loaning out.

I do tip my hat to those here that freely offer to loan something to someone not far removed from being an internet stranger. I just cannot bring myself to do that and have always neither a borrower or lender be.