There's no freaking way I'm loaning out my bike. No freaking way. It's in tune. It's lubed. It's trued.
No freaking way.
That's my ride to work.
Plus, a couple weeks ago, my wife said, "Let's borrow the neighbor's six-seater golf cart."
I said, "We don't need to do that."
Well, we borrowed it, against my better judgement, and broke it. Six hundred dollars of damage.
You shouldn't ask to borrow things, and you shouldn't be asked to lend them.
Get a job. Buy your own, or rent it.