People learning Rust are terrified of the borrow checker.

It's a big, scary concept that's hard to grapple with.

But if you write Rust in the "Rust way," using its idioms, in practice you are unlikely to run into the borrow checker very often.

It will simply work roughly as you expect it to.

Yes, there is a big scary concept lurking… but if you do as the Romans do, if you adopt the local idioms, you won't really run into it much.