If a borrower does not know that the property he has borrowed is usurped, and it perishes in his possession, in the event that the owner acquires compensation from him, he in turn can claim from the lender what he gave to the owner. However, if the borrowed item is gold or silver, or if the lender stipulates a condition that in the event that the item is destroyed the borrower must replace it, then the latter cannot claim from the lender what he gave to the owner.
However, if the owner takes something from him for using the property, he can claim that from the lender. [1] Ruling 2091 provides further clarification of this term: it refers to someone who spends his wealth in futile ways. [2] See