Say I offer to hold your wallet for you while you swim. When you get out of the pool some of the pictures are missing. Is it ok that I wasn’t charging you to

Say I offer to hold your wallet for you while you swim. When you get out of the pool some of the pictures are missing. Is it ok that I wasn’t charging you to hold your wallet? Is it smart of you to entrust things which you value to a complete stranger whom has made no guarantees to you as to the safety of your items? This sounds to me like the issue with GoDaddy yesterday, if you don't trust your host, then maybe you shouldn't be using them.