My brother played Drums in a Rock band for years. They played bars and clubs. There wasn't a night that went by that some guy would come up and ask to sit in. He let a few guys try. After a few broken skins and sticks (With no offers to replace them) he politely told them no and remained firm.

On the other hand, someone recently loaned my sister a restored fifies era Gibson ES125. He wasn't using it and thought that she may as well. She's scared to death of playing it in public for fear of it getting damaged or stolen, so she plays it at home and uses her Yamaha and Takamine for gigs.