I think we would all be better off if you learned to share and borrow responsibly.
In my younger days we use to do this almost all the time (help moving = pizza, bike pumps for tires etc). Now that we are all established, it happens all less frequently, which is kinda sad since we all now need to own or rent each item.
Now that I have a new group of friends at work, I am trying to establish a new version of this. I just borrowed some movies from a friend. Sure I could have gotten them from the library, but this saved me a few trips and waiting for a popular movie (since she already bought them for her kids to watch over and over). I have shared financial advice (exchanged for a lunch) and some of my needle threaders. A friend taught me to cross stitch and drive a stick, and I gave rides to work when their car was in for repairs. Two or three of us are going to take a free tiling class. If we need any special equipment, we will probably split who is buying what and then share it. Why should each of us get a set unless we are doing a lot of tiling.
I agree it takes some give and take, as to not be a mooch. I think sharing what you have and borrowing what you need is a very mustacian way of doing things. If the tool is useful, then it was probably a good use of money. Unless they got the gold crusted one that is less effective but more "perdy."
LV