I don't understand how u/Cruian's comment answers the original questions in that Reddit post.
The expense ratios are taken from the fund's holdings directly, you never see the change in your account directly.
So does the borrower of the ETF pay the [Management Expense Ratio ("MER")? The lender?
If the borrower must pay the lender the dividends, is the borrower credited the MER? Or is the borrower debited the MER?