Get a twenty dollar beater at the Salvation Army store. Tell him "Sure, it's the bike I lend when relatives visit. Doesn't look like much but it's a fine bike." I do have my own cheap Trek Skye beater for when there's salt on the roads, and that's the real one for when relatives visit, unless they have bikes back home as good or better than mine. Lending books? I lend books to no one, yes no one, without a deposit that will replace the book plus ten. An "advance library deposit" and a return by date index card bookmark I insert. I eventually learned this discipline from experience over fifty years plus. I'm a slow learner I know. I've also used something I learned from a famous older person who was a specialist in my area of expertise, who replied when I asked if I could read two of his books, said "Certainly Jim. Give me a call and you're welcome to come over when it's convenient for both of us." I admired that.