dont agree with the difference 'borrowing' and 'offering'
It is all so sensible because of $$$$.
Example
we are best friends
- i am cold and you offer me your timbersport fleece (which is your favourite) i take it and back home my dog eats it.
I buy you another one immediately.
Thread would go direction emotional value that is lost because you won it on a saw competition while the $$$ point is not as important (everybody can replace a 100$ fleece).
other side
- I offer you to drive my $$$.$$$ ferrari and inform you that my insurance only covers me as driver....
would you take it for a spin???
so why with a chainsaw you say yes ????
A chainsaw as a lot of equipment is in many cases just above monthly income level and therefore that hard to have and why a lot of people dont have it. But price is realistic and therefore a lot of people dont mind or think about it enough before they borrow or accept an offering.
If they take it in their hands they should realize that if it breaks it is as hard for you as it is for them to replace it and therefore also cover it if it dies in their hands.
I have weekly requests for using my horsetrailer. My simple answer is: insurance or not, if you crash it, will you buy me another one the next day or is that a financial problem for you? if so, think about what your answer would be.