Any true friend would rather you bank the items and take a break than attempt to get items from you. I know anyone I consider a friend I'd rather them do this because items aren't important. It's the fun you have with your friends while playing this game that counts. Even if they rot in the bank box forever it would be better because there is a chance you would return and already be set up.
I've lended out items under 2kk before, but the two times I did it was more of me giving the item and not really expecting to see it back. Both of the times I lended it out it was to people that weren't the type to hound others for items. Those people get nothing from me because they're leeches. I also refuse to borrow items from people, and I insist on paying a fair price. I do what I expect other people to do so there is no confusion.
Guild discounts are optional. If I feel like asking market value I have no problem doing so. You have to be firm and not cave into people pressuring you for your shit. For example
@Kurupted tried to play a "trust" game with me and
@sk8nomad and tried like hell to get us to hand over items. Anyone that tries to pressure you into doing anything isn't your friend so them claiming they aren't as tight with you or whatever shouldn't matter to you anyway. No friend is going to put you in a bad spot or make you uncomfortable to get you to do what they want. Only manipulative people do that. This is true in game and in real life. Tell yourself you aren't going to be a victim or an easy mark and you won't be. Eventually these type of scumbags will realize trying to get you to do what they want isn't worth the effort and they will move on to other people.
Anyway good luck and hope you decide to bank the items instead of trashing them or giving them away. You earned them, let them rot in your bank and it's the same as a trash barrel if you don't return. IF you do return you will have everything you need to get started again. Anytime this game stops being fun take a break. It's just a game.