In reply to Offwidth:
> So for the experienced in this area how long have you been teaching beginners trad, what have you lost gear wise and finally if your beginner gets your gear stuck whould you consider charging them for part or all of it?
a couple a decades, lost practically nothing, a few wires at most etc.., pay - nothing, my fault entirely. It could be poor briefing by me, I may have selected a placement that was tricky to extract, I would never use expensive gear, if a novice was belaying me I would be selecting a straightforward route and putting gear in for show, not because I might need it, as you shouldn't really trust them to catch you anyway.
Worst case, I would dash back round somewhere in the evening and retrieve it, or solo up and extract it as they ate their lunch, or packed their bag afterwards etc..