There may be some members of some guilds (and/or quilters that are not members of any group) that cannot afford to get whatever they want whenever they want it.
So it's okay to borrow because they can't afford to have one of their own? Asking to borrow is entitlement thinking of the person asking. I will offer to loan anything but I seldom will lend if asked outright. I don't want friends who ask to borrow what I have. If they can't afford it then they save until they can. That's what I do.