As far as a lending system goes, it's not going to happen with our current item system. Right now, once a player logs off, the only way to remove items from them is via RC.
We cannot remove items from an offline player by script, which obviously would cause problems with a lending system. I know there a ways around it, but they would be very sloppy and not worth the trouble/risks. Players should to stick to the
lending rules for now.
In regards to scamming in general, yes, we will reverse a scam if we can prove that one did occur -- that will not change. In order to ensure complete safety of your items, you should use always use the trade window, and contact a GP before lending. If someone is being impatient and insists on lending without a GP present, it is most-likely a scam.