I am also one of those bad guys! I've come to the conclusion, NO MORE! One of my daughters is not speaking to me now just for this reason, I loaned them my truck on a Saturday and asked her to return it Sunday morning. Well Sunday morning came and went, afternoon came and went, then that evening she calls, needless to say by that time my husband was fuming and said bring Mom's truck home now! He then drove her home. Another time I loaned someone my ridding helmet, that forgot theirs, it took me six months to get it back, then I loaned it to my daughter in law, that was two years ago, needless to say I'm still waiting for it and the western saddle I loaned her. I have loaned out so many things over the years that don't get returned that now I just say No! Money doesn't grow on trees!