Re: "can I borrow your..."
Coming from a new tech, I borrow tools every once in a while. I'm also 19 years old spending over $800/month on tools so no one can really say I am not trying to get away from borrowing.
I also return all tools cleaner than they were when I got them and in the same condition. I treat other's tools way better than I treat my own.
I rarely am asked to lend tools by coworkers but I always say yes. Every person I work with has lent me multiple tools. I've never had someone ask for collateral and I've never asked for collateral although I do understand why you might do that.
You're doing things the right way.
Goodonya Mate.

The original poster was talking about parasites who leech off of others so that they don't have to spend their own money. It's one thing to borrow a tool until you can get one of your own. It's quite another thing to think you can do a job by expecting others to supply the tools you need in perpetuity.
I used to deal with this with "Carpenters". The kids I had to work with didn't even own a tape measure or hammer and could care less. In the meantime, I used to haul around a couple thousand dollars in tools as the job needed.
I made sure that my co-workers were terrified of having to borrow my tools. It never took long for the new guys to get it.
I had a "one and out" policy with my tools. You could borrow a tool if you asked, but you had to return it to my hand when you were done. If you broke it, if I found my tool laying on the ground unattended, if you didn't return it in the same condition, or if you failed to return the tool at all, you were cut off and I made sure you got the ****** jobs for the rest of the week. No exceptions, no redemption. If you don't own the tools of your trade, then you can't call yourself a tradesman.
It's one thing when you are first starting out and are still amassing your tools, it's another to be in the business for years and still not own the basics. As long as you're trying to buy the tools you need, but still need to borrow specialty tools on occasion, I don't see a problem. If I can see that you're making an effort, I'll lend a hand. But, if your professional plan involves leeching off of someone else's hard work, then I'll leave you to wither on the vine.