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To repay the threefold debt is a duty ordained by scripture; avoiding the fourth (king’s tax) brings immediate punishment.
One should not stay even a day in a place lacking a lender, astrologer, priest, and a good river — signs of cultural decay.
Debt from relatives and sons is troublesome when repayment is impossible — what value is charity in Kali Yuga?
Debt removal is praised more than sin-removal, for unpaid debt burns like fire here and in the afterlife.
Where there is no lender, physician, priest, good river, or king, one should not reside — society is lifeless there.
The householder who first clears debt before starting a new one is truly respectable in society.
Promises made for loans must be honored diligently; if daily begging arises from this, what value is such giving?
Debts, leftover disease, and surviving enemies should not be ignored, for they grow again. One must be kind to beggars but firm in duty.
Unpaid debt, lingering fire, and remnant illness all grow again — hence one must eliminate every trace.
Even a small remainder of debt, fire, or enemy, if unchecked, keeps growing — they must be completely extinguished.
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