I had to do something today I didn't like. I would not allow my 21 yr old son to borrow my 20' Tolman Skiff to go wakeboarding with his friends. He's a good kid but like many young guys, he always wants to drive too fast and do things of "questionable judgement" and you just know that with a couple of guys and girls, alcohol will be involved.
I'd allow my 25 yr old daughter to borrow it because I trust her judgement and she also seems to know how to handle the boat better than he does. So, I invented an excuse about my insurance lapsing.
How would you handle such a request?