Answer: i am not sure what you mean but you keep it or it goes back to the other person
Answer: A borrowed item is protected above all other items, even if it is worth much less. Also, you can't go into certain areas with borrowed items. In no case will the owner of the item, the one who borrowed you the item, lose it.
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its impossible to die on tutorial island
If your in a Bounty hunter world +1 you lose everything but the most valuable item you keep. But if you die in a normal world with a skull you lose everything, but you can get your stuff back if you get to your grave in time.
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When u die thanks to a goblin, dragon, demon etc. U will keep 3 items.When u die with a skull above your head, which u can get by attacking someone in the wilderness, u will lose all your stuff you have with you.(You can keep 1 item thanks to activating the level 25 "Protect Item" prayer skill, which is used to keep 1 more item when u die, [Even when u die in the wilderness!] So by a normal NPC without anything above your head, you will keep 4 item's, [3+1], and in the wilderness u will still keep 1 item [0+1])Hope I helped ya!!
Going into they Abyssal Dungeon ( Zamorak-Mage Mini-Quest ), the same dungeon used for Runecrafting, you will be skulled on entry.Beware! If you are skulled, you will lost all items if you die, unless you have Prot. Item prayer on, you will save 1 item, that has most value in a general store.