Commentary for Bava Metzia 164:1
במלוה צריך למשכון קמיפלגי מר סבר מצוה קא עביד שהלוהו והוי שומר שכר ומר סבר לאו מצוה קא עביד שלהנאתו מתכוין והוי שומר חנם
they differ where the creditor needs the pledge;<span class="x" onmousemove="('comment',' For use of which he remits a portion of the debt. ');"><sup>1</sup></span> one Master [sc. R. Akiba] maintaining that he fulfils a religious precept in making the loan, and therefore ranks as a paid bailee; whereas the other Master [sc. R. Eliezer] holds that he fulfils no religious precept thereby, since he desires his own benefit; therefore he is an unpaid bailee.<span class="x" onmousemove="('comment',' Nor does his use of it make him a paid bailee, since he makes an allowance on the debt in return. ');"><sup>2</sup></span>
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