Beginner quilters have to have their own rotary cutter at our guild. Rulers and mats will be provided. We learned the hard way about lending rotary cutters. One beginner wanted to sue the person who loaned her one and she got nasty cut. Said she wasn't instructed in how to use it properly and wasn't told the dangers of using it. She was pressured to sue by her DH. Thankfully she backed off because of high lawyer and court fees. She is not a member and we hope to never see her again. I will never loan a rotary cutter to any one that has never used one.