“This is concerning my question before abu ‘Abd Allah (a.s.), about the borrowed item; if the borrower was held liable for it. He (the Imam) said, ‘If whatever you borrow is destroyed, you are not held liable except gold and silver; which bring liability unless it is stipulated that even on being destroyed you are not held liable. You are held liable for all that you borrow and it is stipulated that you are liable. Gold and silver bring liability, even if no stipulation is set.’”