and they return it broken, damaged etc - what do you do? Do you ask them to replace it?

Awhile ago and I lent someone a formal gown upon request. Looking back I probably shouldn't have been so willing to lend someone a $200 gown. She returned it damaged and apologized profusely, but I didn't have the heart to ask her to replace it. She didn't offer.

If I had ruined something I had borrowed, I wouldn't hesitate to offer to replace it; I was surprised she didn't offer. But I didn't want to ask.

what would you do?