I'll only loan out tools that I can live without. Or I come with it and operate it myself.
Loaned my pickup to my own brother many years ago. It came back with a bent tie rod. I asked him what happened, he said it was like that when he borrowed it from me. That was a Bold faced lie. But he is my one sibling that's been scandalous from his infancy.
But my dad taught me, treat borrowed tools better than your own tools. Return them lubed and with a full tank of gas. I took the advice to heart. One of my brothers did not.