> In the metaphor, limiting in this way is like your friend saying "here, but don't let anyone else use it, I trust you, not them" when it's lent. For businesses doing some sort of lending it's generally more complex and a contract (like what you sign when renting a car), and may or may not cover usage by other people.

Sure, but at no point does the producer of a physical object that is being lent get a say-so in the agreement between my friend and me, or the contract between a lending business and me.

In the car rental metaphor, it'd be like Ford suing Hertz for lending me a Focus that Ford already sold to Hertz.