Like most of us I tend to judge the person, when I have lent my gear out it has been to players I know and respect and they have done the same for me, so no problem there. I do believe in carrying a backup bass as it makes live easier and some times I just fancy a change, so a spare is usually there,if I can help out I will and over the years I have helped out a lot of players, however sometimes I have said no. This leads me to one of my pet hates of when you do say no, that the recipient of the negative then tries to make out that it is your fault that he/his band can't do whatever etc.... NO mate problem is with you!