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I wouldn't tolerate the proposed arrangement, for much of the same reasons you spelled out. I think your position is completely reasonable. My house is my sanctuary, it's where I keep my peace of mind. I'd have a hard time addressing this too, since telling people "no" is not my strong point. But I think you're well within your rights. I can think of only one neighbor I'd let do such a thing if I were in your position, and he has had the keys to our apartment many times because he has taken care of our animals when we went on trips. He has also done us many personal favors and been very generous. Maybe I'd consider it if your friendship with these neighbors evolved to that point, but up until that point, the answer would be no. How to best put that is beyond me at the moment. The only thing I can think of is what I've told people in the past, that I'm very private about where I live and it's not personal, it's just one of my principles. I would explain that the knowledge that someone else had access and that my house was potentially unsecure would cause too much underlying anxiety - but that still doesn't address the issue of their possibly using it while you're home.
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