I’ll once in a while loan a tool, but nothing I’d get so upset over it would ruin the relationship if I never saw it again. If I “loan” equipment I go with it, and that does happen semi-routinely. Even if I trust the borrower to treat it well and return it timely it’s quite rare I’d trust them to know how to run it safely if they don’t have similar equipment themselves. Some guy who owes me $50 from last year and we both know it; I wouldn’t loan him a claw hammer even though I have three other ones. The dude is a tool and doesn’t deserve respect or kindness. I don’t like borrowing high dollar stuff either.
I would loan my tractor to my brother if his was down for long enough to be a problem and he needed it since he has animals and sometimes has stuff that has to be done when it has to be done, whereas we don’t. I also know he knows how to operate a Tier 4 diesel CUT with loader since he has one.
My father, who lives next door, has his own key and can use it at will but we have a verbal cross treaty where he can use my equipment and I can use his without specific permission. We both have stuff the other doesn’t, he’s retired and I’m not, so it works well for both of us. We have a couple of buildings we both can access to store the common equipment, which makes that easy. Other than that no one is truly borrowing my equipment.
And I don’t see any reason for an explanation. No is sufficient. Same goes for me if I ask to borrow something. If the owner says no, they don’t owe me an explanation. If someone asks to borrow something, is told no, and then demands an explanation I would never loan them anything ever.
Just noticed a few disparaging comments about the OP. Nothing wrong with being nice. Tilling the guy’s garden for a nominal amount was nice and nothing wrong with that. After he didn’t keep his part of the deal, further dealings are simply inappropriate. You can be nice and still say no. You can nicely decline to explain when an explanation is demanded by someone who isn’t due an explanation.
We had a parasitic neighbor that had latched onto my father for a bit. As I methodically removed him, with my father’s permission, I think he always wanted me to be a jerk so he could play victim of the mean bully (me) when he was “just a nice person helping an old man” (and just happened to have access to his house, computer, land, equipment sheds, etc.). He and Dad did “fun” things like rehabbing an old bass boat my father wanted no part of but “didn’t have a choice” to fix the motor and electrics; maintained and stored his tractor with Dad being the mechanic, storage building, and financier but Dad prohibited from ever driving.
I don’t think he ever figured out how to respond to the fact that I was extremely nice to him when he complained if he gave back the keys to the buildings he couldn’t access his stuff stored here. I’m such a nice guy I offered to hand load it all onto pallets and fork it over to his front yard for him. When he couldn’t retrieve his tractor from the shed because of a low tire and not sure it would start, I nicely offered to pump up the tire and tow it over to his house with my tractor. When he wasn’t sure when he’d have time to get his deer stands, I offered to take them down for him and drop them off at his house (of course I’m such an ignorant goof I’d have to take them down with a
grapple and bring him whatever was left of them, but at least he’d have them back). When he couldn’t find time or means to get his box blind out of the creek bottom, I let him know with it being right beside where I bush hog and me not being the skilled operator he is I was really concerned next time I mowed up next to it I might get too close and the loader might accidentally smash it to splinters, so if he could bum a trailer off a victim/buddy I’d skid it up to the road and load it on the trailer for him.
“Nice” is usually confusing to parasites.