the__seeker explains his overdue loan policy.
"If you borrow something of mine, that's cool. I have many many books, used to have many more DVDs, i own a lot of shit i use infrequently and i'm fine with other people using it. But the key word here is borrow. If you borrow something of mine and then don't give it back at the agreed point in time, you have stolen it. If you then don't give it back after another request, i break into your house and i find it and i take it and it is mine again. If you do not want me to break into your house, you should not keep things that i own locked up in there. If you have recently delivered a violently emotion-filled monologue against me for this very action, perhaps you should consider not stealing my things. The damage to your window lock is "stupid people tax" and you do not get a tax return for it. Unless i can borrow some money from you to buy you a new window lock."
Context, unlocked, QWP.