Your friend asks you to borrow your brand new expensive selfie-stick for two days. You know he/she drops things easily. Have a conversation.

Here is the answer:

Friend: Hey, can I borrow your selfie-stick for two days? I really need it for a trip I'm taking.
Me: Uh, I'm not sure about that. That selfie-stick is brand new and really expensive. I'm a little worried about lending it to you.
Friend: I promise I'll be careful with it. I just really need it for this trip.
Me: I understand, but I don't know if I'm comfortable lending you something so valuable. You have a tendency to drop things, and I'd hate for anything to happen to it.
Friend: I understand where you're coming from, but I promise I'll be extra careful. I'll even pay you back if anything happens to it.
Me: I appreciate the offer, but I think I'm going to have to say no. I'm sorry, but I just don't feel comfortable lending you something so expensive. I hope you understand.
Friend: Yeah, I understand. I'll see if I can find another option. Thanks for considering it.