n9 The Duggan court appears to have endorsed a creditor's need to "inform[] ... the proper parties of its intent not to pay for debts incurred in maintaining, enhancing, or making additions to secured collateral" in order to "protect itself from unjust enrichment claims." (Duggan, supra, 821 P.2d at p. 798.) For the reasons stated in the text, we do not agree with this part of Duggan.