I have two options for loaning knives:

A) I will loan n knife that, if broken, is not a going concern, such as a mock SAK classic (dollar store variety), which is easily replaced. I've had no problem collecting remuneration from those who have done so.

B) I will loan a knife that was made to take heavy abuse/misuse with a minimal chance of failing. In the event of failure, it has a lifetime unconditional guarantee. I know that in the unlikely event the knife is broken, all I need do is send it to the mfr and it will be replaced at no additional cost, save that of shipping, without exception. As before, I have no concern with being able to collect shipping costs from someone able to break those knives if I feel it is warranted.

Those foolish enough to self inflict, I just laugh, except for the wife, lest I end up in great pain myself...