No. of Recommendations: 5
The word borrow can have both connotations. It is commonly used as follows:

1. Conventionally, meaning I got money from somebody else and will have an obligation right along with it.

2. As Dave is using it here, meaning "borrowing from Peter to pay Paul," or in other words, just moving my own money around.

The second application is reasonable, but only with obvious implicating context or when specifically called out. If you just throw out the word borrow, in most cases, the listener is likely going to assume the first connotation.

If somebody tells you they borrowed to buy their car, Dave, you're going to assume they got a loan from somebody else. Unless they give you obvious implicating context or specifically call out that they really mean they used their own money.

Unless you claim here that your first assumption when somebody tells you they borrowed to buy their car is that they must have just moved some of their own money around and paid cash - which nobody here is going to believe - then you need a different angle to defend your usage of the word borrow in this thread.

That basically boils down to this: Either position yourself further from those you are trying to convince, or accept that your usage of the word borrow - and the implications you were making with it - were poor. Which will it be?

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