Study Bava Metzia folio 82B with parallel Hebrew-English text, traditional commentary, and modern study tools. Free access to Babylonian Talmud online.
they disagree with regard to a lender who needs the collateral, i.e., the lender wants to use the collateral and deduct the value of its use from the amount of the loan. One Sage, R' Akiva, holds that he is performing a mitzva in that he lent to him, and therefore he is considered a paid bailee. And one Sage, R' Eliezer, holds that he is not performing a mitzva, as his intention is to lend for his own benefit. And consequently he is considered an unpaid bailee for the collateral.
אבא שאול אומר: מותר לאדם להשכיר משכונו של עני להיות פוחת והולך. אמר רב חנן בר אמי אמר שמואל: הלכה כאבא שאול. ואף אבא שאול לא אמר אלא במרא ופסל וקרדום, הואיל ונפיש אגרייהו וזוטר פחתייהו.
§ The Mishnah teaches that Abba Shaul says: It is permitted for a person to rent out a poor person’s collateral that was given to him for a loan, so that he should set a rental price for it and thereby progressively reduce the debt, because this is considered like returning a lost item. Rav Ḥanan bar Ami says that Shmuel says: The halakha is in accordance with the opinion of Abba Shaul, but even Abba Shaul said his ruling only with regard to a hoe, a chisel, and an ax, since the remuneration from these utensils is great and their depreciation is small.
מתני׳ המעביר חבית ממקום למקום ושברה, בין שומר חנם בין שומר שכר – ישבע. רבי אליעזר אומר: זה וזה ישבע, ותמיה אני אם יכולין זה וזה לישבע.
Mishnah: With regard to one who was transporting a jug from one place to another and he broke it, whether he was an unpaid bailee or a paid bailee, if he takes an oath that he was not negligent he is exempt from payment. R' Eliezer says: Both this one, an unpaid bailee, and that one, a paid bailee, must take an oath to exempt themselves from payment, but I wonder whether both this one and that one can take an oath. In other words, this is the halakha that I heard from my teachers, but I do not understand their ruling.