‘Umm al-Mu’minin Aisha (may Allah be pleased with her) says that the Prophet Muhammad (peace and blessings of Allah be upon him) decided that the right to benefit is based on being liable as a guarantor. Imam Tirmidhi says:
1- This hadith, narrated from Hisham bin ‘Urwah, is Hasan Sahih Gharib.
2- Imam Tirmidhi says: Muhammad bin Isma’il considered this hadith to be Gharib from the narration of ‘Umar bin ‘Ali. I asked: In your view, is there any tadlis in it? He said: No.
3- Muslim bin Khalid Zanji has narrated this hadith from Hisham bin ‘Urwah.
4- Jarir has also narrated it from Hisham.
5- And it is said that there is tadlis in Jarir’s hadith; Jarir has committed tadlis in it, he did not hear it from Hisham bin ‘Urwah.
6- The explanation of «الخراج بالضمان» is that a man buys a slave and makes him work for wages, then finds a defect in him and returns him to the seller; so the wages and benefit of the slave will belong to the buyer. Because if the slave had perished, the buyer’s wealth would have perished. In this and similar matters, the right to benefit is due to being liable as a guarantor.