It's rude to borrow things without asking
Anne notices a top that she really likes in her sister's closet.
Anne wants to wear the top out on a date.
Anne asks her sister ahead of time if she can borrow the top for a night.
Anne takes the top without asking and wears it while going out with the intention of returning it.
Anne's sister is pleased because she can borrow something in return.
Anne's sister cannot find the top when she goes to wear it herself.