What would stop someone from loaning guns out on this distributed library? Would loaning guns like this be an issue? I'm not trying to troll the discussion, I'm

What would stop someone from loaning guns out on this distributed library? Would loaning guns like this be an issue? I'm not trying to troll the discussion, I'm honestly curious. In the case of "peer to peer" loaning it sounds to me like insurance and liability are kind of important. If I loan out a laptop to you, and you put malware on that laptop, and I take it back and loan it out to others who then get compromised somehow... how do I explain to authorities that it's not my fault? Or in maybe a more realistic sense let's say I want to be a Very Good Guy and loan out my car. You put up the "reasonable value" of my car + 10% as collateral and I loan it to you, and it gets impounded. Now we both are out a car and our collateral is locked up, and neither of us wants to nuke the contract but neither of us can agree on who should pay the towing company. How does that resolve itself?