Say no to lending a personal item
https://linespark.ifix.xin/conversation-guides/decline-lending-a-personal-item/

Give a clear answer about an item you want to keep private, available or under your own care.

The item and the request you are answering



The limit you actually want to set



An optional alternative that stays comfortable for you


MY REVIEW / DRAFT


CHECKLIST
[ ] The answer matches my actual limit
[ ] I have not invented a reason
[ ] Any alternative is one I want to offer
[ ] The reply does not invite a trust test or negotiation

Read only the first sentence. If it still does not tell the person whether the item is available, make the answer more direct.