Spark Master Flash, I wouldn't at all feel guilty about refusing to loan out tools. I was always taught that part of being a Tradesperson was to have a full set of working tools. I don't loan tools to anyone, period. I had a brand new pair of Klien Cable cutters wrecked a few years back and that was the end of my lending tools!. If you can't turn up with the correct tools for a job, should you even be there?.