I bought my mom an iPhone 3G in '08. As it was a gift, I don't think she ever realized the value. I even had to guide her to get a case.
Fast-forward over time. She babysits my cousin's baby. One day I asked my mom to look at something I'd sent on her iPhone. She said that the baby had been playing with it, so she didn't know where it was!! She eventually found it, but I had to let her know that if she was ineligible for an upgrade, a replacement would cost a LOT of money, and therefor was not a toy!!!
She has since stopped letting the kid play with it, and is also getting the iPhone 4.
Sometimes we know the risks of sharing our expensive things, but we assume nothing will happen because after all, nothing has happened yet. When something DOES happen, we're like "Doh!"
I too let someone ride an expensive transportation thing I have (guided, but she diverted and went off on her own), and she rode it directly into a wall, mildly damaging the wall and tire. My days of allowing people to use that plus my iPhone and iPad are over.
If they think you're being stingy, well, they have to understand that at the end of the day, after they break something, they say "sorry," but you have to pay for it.
Somebody made two post in a row...
You're gonna get your pee pee slapped. Nananana!!!
Welcome to the club. (did ya get your warning yet??)
Sorry I just had to...