Card Deck acts as a draw and discard pile to on any kind of card.
It is defined Generically so as not to be limited to anything specific like standard playing cards.
It takes the attitude that cards, in generall, cannot be copied. As such cards are not borrowed. Instead they are consumed to be added, and when they are drawn, full ownership is returned.
For some (digital) card games, cards can be copied. If you wish to implement Clone, that will work in those cases.