My policy is pretty simple.
If I come to you on my own, 'thank you' is all I ask. Yep, I might not get to you right away due to my other obligations but hey refer to cost. I have one elderly lady who always tries to pay me, and way too much at that. I did allow her to give me stuffed animals for my daughter.
If you call me, be expecting to pay. No, I usually won't set the amount but offer something up or I might not be back next time. If you are on my short list you will be told ahead of time what I will charge, and if you are the worst of that list you will pay ahead of service and will pay top $. I have to agree with the feelings on the couch potato who does nothing to help themselves out of their situation, like wont even shovel their 10' of sidewalk to the front door while you plow their 150' driveway.
I'll lend friends/neighbors tools all the time. I usually have Lifetime handtools so I really don't care if you broke it, but be sure to go and get me a new one at Sears before you return it to me, and not 2 months later. Some tools do not get lent out, but they come with me as an attached operator. My brother wanted to borrow my chainsaw, Stihl 041. The same brother that spent 1/4 of his childhood in an ER, needless to say he got me and the chainsaw, my mother would have killed me if I gave him the saw.
Chad