Matthew Poole and continuators on Exodus 22:15

15 But if the owner thereof be with it , he shall not make it good : if it be an hired thing, it came for his hire .

In which case, the Law reasonably presumes, both that the borrower would not abuse it in the [illegible: 1+ letters]ight of its owner, and that the lender might and would take due care about it.

Except there be some manifest fault in the [illegible: 1 word] ▪ as if he should kill or wound the beast in the leaders presence: [illegible: 1 word] exception is easily to be understood from divers other Laws of God.

(i. e.) The benefit was the lenders, and not the borrowers, and therefore the former reason ceaseth, and whether the master were present or absent, he that receives the gain or hire shall bear the loss, except when it came through the borrowers gross and willful default.