^Pendu,
The Prophet SAWS also said that the heart is not always consistent. How do you know that the poster has not been far more generous regarding other things in the past? Maybe this watch is really dear to her. Just because she feels hesitant to lend a particular object to someone doesn't mean that she's like that all the time.
For example, one might have been generous with giving away many other expensive items.........but perhaps that one particular item is so special that they are more hesitant to lend it so freely. Perhaps the individual REALLY loves the model of that particular watch. For example, I have a favorite watch that I absolutely adore and love the way that it looks on me. That particular design/model is not made anymore. One time, I wanted to get it fixed for something and the sales person told me that I could trade in my watch for a newer model of the same company. And I didn't do it. My parents thought I was crazy for not wanting to get a new model for free. BUT......I didn't care because I didn't want to part with it.....as the company stopped making this particular design. And if someone wanted to borrow it........I'd only lend it if I knew and trusted the person. I've been giving of other items that are more expensive than my watch, but some things I hesitate to lend freely to just anybody.
Nothing is black or white, Pendu. The lines blur and there are shades of gray in peoples' personalities. People are not consistent all the time. There are MANY factors to consider.