Unless a guide states up front that the client is responsible to bring his own gear. It is to be assumed that the guide will provide everything necessary for a safe, fun trip. The client is responsible to bring the proper clothing, have fun and to tip if the guide does a good job. The guide should also provide lunch, snacks, beverages (non alcoholic), bait/lures/flies that are appropriate for the trip. Guides get to buy gear from the manufacture at a greatly reduced price so although it hurts to lose or break something, it goes with the territory. Rsstick said that his client almost fell in at the play wave, so that is on rsstrick. Now, as I read the rsstrick post. I did not believe he expected or asked his client to pay for rod. He was just hoping to get it back.
Just my opinion as a guy that sometimes hires a guide and sometimes guides.
Time is like a river. You cannot touch the water twice, because the flow that has passed will never pass again. Enjoy every moment of life on or off the river.