Mesorat%20hashas for Bava Metzia 3:11

הַמַּפְקִיד מָעוֹת אֵצֶל שֻׁלְחָנִי, אִם צְרוּרִין, לֹא יִשְׁתַּמֵּשׁ בָּהֶם, לְפִיכָךְ אִם אָבְדוּ אֵינוֹ חַיָּב בְּאַחֲרָיוּתָן, מֻתָּרִין, יִשְׁתַּמֵּשׁ בָּהֶן, לְפִיכָךְ אִם אָבְדוּ חַיָּב בְּאַחֲרָיוּתָן. אֵצֶל בַּעַל הַבַּיִת, בֵּין צְרוּרִין וּבֵין מֻתָּרִים לֹא יִשְׁתַּמֵּשׁ בָּהֶן, לְפִיכָךְ אִם אָבְדוּ אֵינוֹ חַיָּב בְּאַחֲרָיוּתָן. חֶנְוָנִי כְּבַעַל הַבַּיִת, דִּבְרֵי רַבִּי מֵאִיר. רַבִּי יְהוּדָה אוֹמֵר, חֶנְוָנִי כַּשֻּׁלְחָנִי:

If one deposits money with a money changer, if it is bound [and sealed or tied with a distinct knot], he may not use it. Therefore, if it is lost, he is not liable for restoration. [But if it is not sealed or tied with a distinct knot, even though it is bound, it is regarded as open and not bound at all, and he may use it.] If it is unbound, he may use it. Therefore, if it is lost, he is liable for restoration, [Even if he did not use it, he is like a hired watchman in respect to it, for he can use it, and he is liable for theft or loss. And if he uses it, it is like a loan to him, and he is liable, also, for accident.] (If he deposits it) with a homeowner, whether bound or unbound, he may not use it. Therefore, if it is lost, he is not liable for restoration. A shopkeeper is like a homeowner. These are the words of R. Meir. R. Yehudah says: A shopkeeper is like a money lender. [The halachah is in accordance with R. Yehudah.]

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