I will never forget the first time I saw one of these signs at my buddies house. It was on his bothers tool box.
My dad said he might loan his tools, but only on the condition that he went with them.
I still remember the first time I walked into a snap on truck. I heard angels sing and then before I new it I was broke. I will loan tools to very specific people. I may ask for your drivers license and a credit card though.
I go a little further. I come along with the tool or tools. There will be an agreed-upon price with a half down deposit before work begins and the balance paid before the last screw, nut, bolt, or nail is installed. My tools are investments and I require an equitable return.
Woody