Ive been bitten by this one and i'm definately twice shy.
At the end of the day I'm not a professional player therefore my gear is paid from my own pocket and chosen carefully to suit my needs. It cost me a small fortune and I love it. The thought of loaning it out makes me cringe since an inexperienced support band drove an old Marshall head of mine to death, leaving me left to play through the PA. I was not a happy bunny and I did manage to comandeer the bassists' guitar until the repair was sorted. Just hassle I really dont need.
I paid for it, I carried it, I use it.
If you cant be bothered to sort your own out then with all due respect, you deserve the PA :-)