I had this discussion with someone else recently, and the takeaway I think is this:
If you're loaning out a clone Tech 2, there are probably different ethical considerations than if you're loaning out a real Tech 2. In 2018 the failure modes for the clones are pretty well document and typically don't include "accidental bricking" - the common issue that clones have is poorly designed power supplies which cause the units to reboot when starting the car - something a real Tech 2 won't do. It's frustrating, but unlikely to brick a car.
Even still, your liability here is little to none. Borrowers acknowledge that they know how to use the tool and that they are responsible for operating it and taking adequate safety precautions. You're not offering service or advice, you're offering a tool that someone else has to figure out how to operate. If you have knowledge of a specific issue then you're certainly obligated to disclose that, but I think that's the extent of your requirement. I'd get a real lawyer to weigh in, but I'm pretty sure this is accurate. "No warranties expressed or implied, use at your own risk," blah blah blah.
For older cars, most things are done with the Tech 2 only. For later cars, a laptop w/ TIS and a subscription is needed to do a lot of stuff. On all cars, you can change most options with just the Tech 2. With early cars, you can do just about anything without security access including programming keys. With later cars, virtually everything requires security access. To that point, loaning out *just* a Tech 2 has little risk. The notable (and maybe only) one would be someone accidentally deprogramming all their keys... I feel like you'd have to try to do that, but it's the fail scenario. If you add a laptop into the mix, the risk goes up.
All that said? I wouldn't really hesitate to just loan out a Tech 2. If people want to get creative and get their own security access and brick their cars? That's on them. That's my $0.02! (Though I haven't bricked any cars yet :)
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