I have a poncho that is a four-cornered outer garment with a neck hole. I'm a woman so I've never had to worry about tzitzit. The garment is unisex, not specifically feminine. If a man were to borrow it, would he be required to attach tzitzit? If so, what would happen when he returns it -- would he remove them, would I remove them, or would they remain?
I understand that the practical answer is to not get into that situation. I'm asking what the halacha is.