Reminds me of something my Dad told me many years ago. One of the more insightful things he told me was "There are some people I wouldn't loan $10 to, and there are other that I'd go to the bank to borrow money for if they needed more than I have."
I've only loaned firearms to my sons; nobody else has ever asked. Each request would be evaluated based on something like the above logic. What is the basis of the request? (I.e., is someone thinking about buying that particular model, and wants to try one (in which case I'd probably be going to the range with them), does someone feel threeatened and needs protection, just wanna going huntin', etc.) How immediate is the need? Do I know for sure the person is qualified with that firearm, or can I take him/her to the range and convince myself that they are qualified?
I think I'd be pretty hard to convince. I'd probably be more likely to take someone to the local shop and pay for a gun to be sold to them if a friend needed one for a serious situation in a hurry, and I'd be damn sure they understood all the important stuff before turning them loose (including some range time).
On the other hand, if my sons needed something, there wouldn't be many questions asked, except maybe, what can I do to help you avoid whatever it is that's causing you to ask (assuming it's a serious situation and not something fun like a hunting trip or a trip mto the range with their friends)? But, both sons are well armed, so that probably wouldn't come up anyway.
So, I guess the bottom line is, I'd be pretty hesitant to loan anything, would make sure the borrower knows how to shoot and be safe and the basics of staying out of jail, and I'd be more motivated to help resolve a difficult situation some other way. Family gets what they need, and close friends that I've already shot with may get what they need as well.