If you're close enough to me to borrow my knife you've undoubtedly been gifted at least one... what'd you do with it? Use your own.
The only time my knife gets handed off is to open christmas or birthday packages.
As for tools, I have one of those "999+ piece homeowner's tool chest" things in the kitchen. Bought it at a parking lot sale for 50 bucks. People can borrow that and typically get themselves sorted out. You're not getting the good stuff.
As for the OP's question,
No, I've never had someone reimburse me for their misuse of my item. Knife or tool. I wouldn't want to count how many pairs of pliars or screwdrivers that have gone missing. Only had one knife break, the tip specifically, but I wasn't too upset. It was a beater.
I did have a friend buy me a new knife after he lost mine. It was a PM2. I left it at his house and he decided to use it at work the next day. Someone stole it out of his tool bag.