Each situation is different. You can't go about your life with Ayoobs 21' foot exclusion circle around you, and I'm sure he doesn't either.
One time the shoe was on the other foot and I had to aproach an individual with two small kids at dusk in an almost deserted marina has they were stepping out of their boat. The houseboat I had rented 30 miles away developed a problem and there were no tools aboard, the fuel dock was closed and the place was deserted. I asked the guy if he happened to have a couple of wrenches so I could tighten the alternator belt on the engine. He reaches in the boat, hands me the whole tool box, says "just put it back when you're done" and walks away with his kids.
One time the shoe was on the other foot and I had to aproach an individual with two small kids at dusk in an almost deserted marina has they were stepping out of their boat. The houseboat I had rented 30 miles away developed a problem and there were no tools aboard, the fuel dock was closed and the place was deserted. I asked the guy if he happened to have a couple of wrenches so I could tighten the alternator belt on the engine. He reaches in the boat, hands me the whole tool box, says "just put it back when you're done" and walks away with his kids.