The folk I camp with regularly all have enough of a head on their shoulders that I'd lend them tools anytime. That'd go for nigh-on everyone I've met from the forum too.
I do have the general mindset of not lending or borrowing tools, ingrained from enough time in workshops to know where the sentiment comes from. I mind getting my favorite hammer back from an apprentice with the shaft mangled and burned. I mean a hammer isn't a particularly easy thing to damage but no, twenty minutes with that monkey.....
But on the other hand I've a lifetime of friends and I lending each other whatever we might need - tools, bikes, boats, matters not.
My axe is a good carver but a lousy splitter so I use my pals axe all the time for splitting and he uses mine for carving.