Some folks just don't know any better, some just don't care. On the other hand, there is that balance between working well with others and allowing oneself to be taken advantage of.
I don't have an easy answer. Maybe you can save all of the dull blades, ruined drill bits, holey cutters, etc. to use as your loaners.
My dad told me that a friend of his taught him never to loan tools except to those that are known to be trustworthy, and if he does borrow a tool from a friend, to return it in better condition than when he borrowed it (clean it, oil it, etc).
P. S. How common is it for there to be so many "whoopses" with cutters (shorting wires together like that)? We all make mistakes, but why are these guys working live?!
