Exode 22:6

When a man confideth to his neighbour silver, or vessels to keep, without recompense for the care, and they be stolen from the man's house,

IF A MAN DELIVER UNTO HIS NEIGHBOR MONEY OR VESSELS TO KEEP. This section [Verses 6-8] speaks of an unpaid guardian, therefore He has freed him from payment in case the money or vessels are lost or stolen, as is the Tradition of our Rabbis. Scripture mentioned it without specifying what the case is because those who guard money or vessels generally do so without reward. The second section [Verses 9-12] speaking of a paid guardian mentions an ass, or an ox, or a sheep, or any beast, because it is the customary way to give over cattle into the hands of shepherds who pasture them for payment.

AND IT BE STOLEN OUT OF THE MAN’S HOUSE. Rashi explained it as meaning that it was stolen out of the man’s house “according to his statement,” meaning that this is what the unpaid guardian claims. stolen, for then how could Scripture say in the next verse that if the thief was not found, the guardian must swear, since it is admitted that it was stolen from him? Hence the verse must mean that he claims it was stolen. Scholars have brought parallel cases in Scripture [as proof to Rashi’s explanation]. Thus: If there arise in the midst of thee a prophet; Hananiah the son of Azzur the prophet, for he is not referred to by that epithet [“prophet”] as a true description, but only because he claimed to be so. But there is no need for this. For Scripture is stating that if it was really stolen out of the man’s house and the thief be found, he shall pay double; and if the thief be not found, they shall come to court and the guardian shall swear concerning the stolen article whether he have not put his hand unto his neighbor’s goods, and he whom the court condemns as the thief of this article shall pay double, as the court will not convict anyone and make him pay double unless he stole it, since the law of twofold restitution applies only to a thief, as He said above, If the theft be found in his hand alive… he shall pay double.

כי יתן איש אל רעהו כסף או כלים, in this paragraph the Torah releases the guardian of responsibility for loss by natural causes or thievery when the custodian in question does not receive compensation for his looking after the items in question. In the second paragraph the custodian of whom the Torah speaks is a שומר שכר, a paid trustee. According to the plain meaning of the text, in the first paragraph the Torah speaks of chattels which are to be kept in the house of the trustee just as his own chattels. He is supposed to treat them with no less care than he treats his own chattels. This is why if they were stolen from his house he is free from responsibility, as he had guarded them as well as he guards his own property. In the second paragraph the Torah lists as examples of what had been given to the trustee animals, objects requiring to be tended, to be fed, etc. Moreover, such animals are usually grazing in the pasture and not under the constant supervision of their owners. If the trustee undertook to look after them, something involving a lot of attention and time, he would not do this unless he would receive compensation for such an undertaking. Seeing the trustee is being paid, he is liable for restitution if any of these animals are stolen while under his care.

כסף או כלים, examples of the items most commonly entrusted to one’s neighbour for safekeeping during the owner’s absence from his home. These are looked after on a reciprocal basis, no fee being charged for this service.