It is not your responsibility. You did not loan the tool to the Creep, you loaned it to your "buddy". It is his responsibility to return the tool you loaned him. $150 is cheap to find out your "buddy" is just using you and is a thief. Treat him accordingly. As for you going to the Creeps house, you should never put yourself or anyone else at risk. It is never worth it. Safety first, always.