Ah, you are confused on terminology. Borrowing is a thing that only happens when you make references. What you are doing when you pass a non-copy value is moving it.

Generally, anything that is not copy you pass to a function should be a (non-mut) reference unless it's specifically needed to be something else. This allows you to borrow it in the callee, which means the caller gets it back after the call. That's the workflow that the type system works best with, thanks to autoref having all your functions use borrowed values is the most convenient way to write code.

Note that when you pass a value type to a function, in Rust that is always a copy. For non-copy types, that just means move semantics meaning you also must stop using it at the call site. You should not deal with this in general by calling clone on everything, but instead should derive copy on the types for which it makes sense (small, value semantics), and use borrowed references for the rest.