I feel for you, that's bad.
Only time I lent out a rifle, a springer, to someone I thought was responsible, it came back with most of the
blueing on the barrel and underlever either gone or brown, and the action cocked, though thankfully unloaded.
It was a Mk1 25mm tube HW77k with a Venom kit in it, and a 1980s CS Varminter stock.
Never again.
Although I have in the past myself been lent a few guns, and gave them back in the state I received them, or better.
So I guess it depends on the individual, and you lucked out