I'm not going to let my non photographer friend borrow my camera gear for her class event
Why wouldn't you let her borrow it?
I don't want to share my precious gear and I'm not going to share it with someone who hasn't worked on a professional camera themselves.
I can see your point and I agree that you can sometimes be protective about lending you precious gear, especially to someone who might now know how to handle it properly. You just need to explain to them kindly why you are doing that.
She is very nervy for wanting to borrow my gear, she knows I only lend it out to the professionals.
Your property is yours to allow who to use it. If you won't let people borrow it other than a real photographer then so be it. These camera equipment things can cost a fortune, and if they break who will replace it?