[If] one deposited money with a money changer, [and] it is tied up, he may not use it; therefore, if it is lost, he is not respon-sible for it. [If it is] untied, he may use it; therefore, if it is lost, he is responsible for it. With a householder [however], whether it is tied or untied, he may not use it; therefore, if it is lost, he is not responsible for it.  A storekeeper is like a householder; [these are] the words of R’ Meir. R’ Yehudah says: A storekeeper is like a money changer.

[If] one uses a deposit for his own purposes —- Beis Shammai say: He must suffer whether it loses [value] or it gains. Beis Hillel say: As of the time of its being taken out. R’ Akiva says: As of the time of the claim.  [If] one intends to take a deposit for his own use —- Beis Shammai say: He is liable. Beis Hillel say: He is not liable until he uses it for his own purposes, as it is said (Exodus 22:7): if he has not put forth his hand on the other’s goods. How? [If] he tilted the cask and took a quar-ter [of a log] from it, and it broke, he pays only for the quarter [of a log]. [If] he lifted it and took a quarter [of a log] from it, and it broke, he must pay its entire value.

Gold acquires silver, but silver does not acquire gold. Copper acquires silver, but silver does not acquire copper. Disqualified coins acquire current ones, but current ones do not acquire disqualified ones. Unstamped metal acquires coins, but coins do not acquire unstamped metal. Movables acquire coins, but coins do not acquire movables.  This is the rule: All movables acquire each other.

How? [If] he took produce from him, but did not give him money, he cannot retract. [If] he gave him money, but did not take the produce from him, he can retract. They said, however: He Who exacted retribution from the people of the generation of the Flood and from the generation of the Dispersion will exact retribution from one who does not abide by his spoken word.  R’ Shimon says: Whoever has the money in his possession has the upper hand.