You can plan for jerks though. Libraries have survived damaged books just fine for millennia. Really all these sharing projects are become general purpose libraries of things rather than just books.
Cost replacement into the price of admission and kick out members that consistently abuse the privilege.
There should be some rating on borrowers. I am very careful who I lend things to. Many of my friends are careless. It's not in particular with your stuff, they are like that. This is a consequence of decades of disposable consumer product culture.
Cost replacement into the price of admission and kick out members that consistently abuse the privilege.