But if something happens to the animal while the owner is present, you do not have to replace it. If you had leased the animal, the money you paid the owner will cover any harm done to it.
But love your enemies and be good to them. Lend without expecting to be paid back. Then you will get a great reward, and you will be the true children of God in heaven. He is good even to people who are unthankful and cruel.