Who brings out the stingy streak in you?

I consider myself a fair and helpful person. If someone needs help I find 8 ways to help before looking for 2 ways out of it. But some people make me stingy or they bring the stingy streak out in me. They borrow tools and such without asking. If I loan something to them they take 10,000 years and a day to return it only after I hunted them down as if I were on safari. If I loan them tools, drill, saws, etc. they break them or bang them up. Smaller stuff they simply “lose” somewhere. It makes me not want to loan or lend them anything and certainly nothing expensive. Do you find that people cause you not to want to share? Who brings out the stingy streak in you more, friends, family or coworkers?