I would let anyone ride my horse without me being the one in charge of the situation, plus I would get liability insurance. I understand what she means by an "everyone shares everything" barn. Mine is kind of like that. But people ask. As long as we ask first, we can use the BO's saddle(say if ours is out getting a repair or being cleaned) and their bridles. I see no problem with sharing things if someone asks. Definitely stand up for yourself and your horse!!
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