Rguns,
You don't live in a fantasy world as I asked the very same question a while back on another airgun board and got some interested responses.
"It's a great idea ff the manufacturers would do it. Individuals just rarely can afford to absorb the loss or destruction of a gun. And it only takes 1 bad user to do it."
"It only takes one bad apple to derail the whole thing. As much as you think you know someone on the web, if you have not met them or know someone in the flesh who has, you are still dealing with a stranger. I am not trying to be alarmist or offensive in any way here. Most folk are honest and want to do the best they can. Then you run into some 1 percenter who is not and things go awry.
""The road to hell is paved with good intentions. Tools, fishing tackle and guns are on my personal "no-lend list". Regardless of what someone says, rarely if ever does someone treat others stuff as if it was their own. If all this sounds a bit cynical, so be it. Not worth losing a friend over. "
"At a match, I would share my rifle...but I would not like it out of my sight."