Well, that is their policy. That is the whole point of his business is to sell and warranty tools. Just like at the dealer, you aren't going to get anything past the warranty people. If you perform a warranty job on an item that isn't fit to be warrantied, then you are going to catch a lot of heat, and probably have it come out of your paycheck. So, I am sure the truck guys have a very similar policy. If they don't like exchanging every ones tools, then sorry, get out of the business. Whether it is broken, or just due for replacing, if one guy will do it, they should all do it. And if someone didn't warranty something for me that was due for it, I would be on the phone with corporate in a heart beat.
Even though it creates no revenue for the tool guy, that's not my fault. That's the business he chose to get in, no me. If I return an item to K-mart that I purchased at another store, they will still take it back. That's just how you do business.
And I am trying to figure out how a hammer is a wear and tear item. Like my Snap-on one that my dad found, that has lasted me 3 years and will clean up very well. I have seen other snap-on hammers that are in excess of 20 years old, and still are in very good condition, even for being used everyday. And, apparently snap-on doesn't agree with your wear and tear idea, because when the brass hammer my old boss had that was 15 years old or so, when the handle broke, the snap-on guy replaced it without a flinch, and that was to a customer that is continuously late on payments, and the snap-on guy knew it was only a time before he disappeared.