I can relate OP, this drives me up the wall to no end. I'm 27 before anyone calls me an old git, I think it's just this entitled generation's way of asking because they are the ones who feel too embarrassed to outright ask to borrow something.
I usually answer in some fashion like below, people these days are afraid of bluntness and get 'offended' by it but eh, is that my problem?
"Have you got a set of ladders"
"Do you want to borrow my ladders" (I've already decided I am okay with lending them)
Or
"Have you got a set of ladders"
"Yes"
"Can I borrow them"
"No"
"Why not mate"
"Because I'm not lending them out"
And so on.
I usually answer in some fashion like below, people these days are afraid of bluntness and get 'offended' by it but eh, is that my problem?
"Have you got a set of ladders"
"Do you want to borrow my ladders" (I've already decided I am okay with lending them)
Or
"Have you got a set of ladders"
"Yes"
"Can I borrow them"
"No"
"Why not mate"
"Because I'm not lending them out"
And so on.

