
Borrower
Temporal Possession
Borrower implies temporary possession with the intention to return the item.

I'm just a borrower of this book; I'll return it next week.
Not Ownership
The borrower does not own the item, merely uses it for a time.

As a borrower of the car, she couldn't sell it.
Consensual Agreement
Both the lender and borrower must agree on the borrowing terms.

He became a borrower after agreeing to the owner's conditions.
Compare with
ClientConsumerDebtorLendReceiverRecipientTakerUser
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