The intent was never to randomly loan out guns. It was to keep an eye on what you have in the event during a disaster, a trusted person, possibly already armed but with a small CCW piece, etc, could get handed to assist.
Not Free Mosins For the Neighborhood, more of your bro from Iraq got his house destroyed and all he had on him was a J frame. Here's the spare 870/levergun/AR whatever, stand a watch till we can dig your safe out.
It's never been for the neighborhood. It was for my extended family("bro", uncle, cousin, etc.) that lives in the region.
I was commenting on the cost of gun ownership in general. Virginia where I live has uncertain gun ownership future. I may only be allowed a mosin, and the cost is equivalent to a palmetto AR.
This is where I am coming from. Someone who legally may only be allowed to use a mosin or a 6 shot revolver in the future.