iainmoff

"it is in the US that you are deemed innocent until proven guilty. In other countries it is just the opposite" - BayRE4U

Completely untrue.
The premise of all British law (and Scottish, which is a different judicial system) is that you are innocent until proven guilty. This includes civil law where someone has to prove negligence.
I don't want to start an international incident but can we remind ourselves of the country which puts people in orange jump suits and gives them an extended Caribbean holiday with no charge or trial.

Get yer facts right!!

All I can say (me and the rest of the non US world) is

Only in America!!

Try that in Europe and be told "keep what fingers you have left out of the way next time."

Have to say I slightly dismayed by the majority of the posts. Its only a chisel. (or whatever) Do you not find the overwhelming majority of people are good fair minded folk, and these are usually the people you would choose to call "friend" and therefore would have no problem lending them something they might need. It's usually the kind of thing you as a woodworker would use a lot and them once, so would you demand a friend buys something because you've so little faith in them?
Maybe thats just the Scottish way of doing things on this side of the pond.