AL S,
Firstly, i think you will find by law IF you lent a ladder to your neighbour in good faith & he fell off YOU could be sued, i know this as a FACT as a lad who worked for me years ago fell off a ladder working with me.
The solicitors first question was: Was it my ladder or his ladder and then told me the law regarding equipment.
Secondly, if someone wanted to be clever like your saying and take the p--s out of my good faith and nature, then no matter who they are, oneway or the other they wouldn't want the visit.
That isn't small talk, just how it is