Today I had my 2nd cut away (both in the last 20 jumps). Had a line over with a demo canopy (Nitron), I was wanting to get in a bunch of jumps today so I was paying someone else for me so I can get up again quickly to play with the new canopy. On my 2nd jump with the demo canopy, I pulled high (4.5k) and went into a violent spiral and did everything I could until 2k my decision altitude. We found the canopy and I kept my handles, but could not find the free bag. The guy that packed for me doesn't work at the DZ, he packs for a few fun jumpers for the fun money. He feels really bad about and is a really nice guy, he just will never pack for me again. Here is my question... Who is responsible for paying for the lost free bag and reserve re-pack? I assume myself.