I pretty much refuse to borrow anything...if I can't afford my own I just do without! I hate lending things out because 90% of the time it comes back damaged...if it comes back at all! As many of you have said, family and friends can be the worst culprits! The only person I loan sewing tools to is my MIL, she always returns it promptly and fixes or replaces damaged item. But then again, she is a quilter and I think we are a pretty honorable group.