These days, when somebody asks if they can borrow a tool, I say, "Sure! Can I borrow your car keys?" or "Sure! Can I borrow your wallet?"
If they say, "You got some lineman's pliers?" I say, "You got some money?" I should respond with something like, "Yeah, give me that watch off your wrist until you're done. Break my tool and I break your watch."
Thanks for the posts, it's good to have snappy comebacks for tool borrowers.