If however someone wants to regularly borrow cards and models because they just don't want to spend their own disposable income on X-Wing for whatever reason then I wouldn't be fine with it for long.
Why should I drop regular money into the game/s I play while someone else gets to play and see the balance of their savings account rise at the same time? ;-p
Nothing is more frustrating than people who say they don't have the money for stuff you plan to use together, so you end up buying it yourself and loan it, only to find out that they later indulged themselves with some other expensive stuff that has no benefit to you