Pretend it's the morning after a spontaneous (post-rager) sleepover with your best friend.
Or a group of friends are over enjoying some good old-fashioned beer, and he laughs too hard and pees his boxer briefs.
Ooorrrr, you're at the gym together, and she suffers a period mishap and doesn't have an extra pair.
I mean, you've borrowed each other's swimwear before. What's the big diff?
"Do you have an extra pair I can borrow?"