If I ask a friend to let me use his lawnmower on Saturday, and he is a helpful friend, he will lend me his lawnmower, and I will borrow it from him. The giver lends and the receiver borrows . There is no payment involved unless the item lent and borrowed is Money itself-- then I borrow $5000 from the bank, and the bank lends me $5000-- but I have to pay interest (= money paid for the use of the bank's money).
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