“Many persons regard a loan

As a windfall.

This causes trouble

To those who help them.

One kisses another’s hands

Until he gets a loan.

He is very deferential

In speaking of his neighbor’s money.

But at the time

For repayment,

He delays.

He pays back

With empty promises.

He finds fault with the time.

If he can pay,

His creditor

Will hardly get back half.

The borrower will regard

That as a windfall.

If he cannot pay,

The borrower has robbed

The other of his money.

He has needlessly

Made him an enemy.

He will repay him

With curses.

He will repay him

With reproaches.

Instead of glory,

He will repay him

With dishonor.

Many refuse to lend,

Not because of meanness,

But from fear of being defrauded needlessly.”

Sirach says that this ideal of lending money to your neighbor as giving a helping hand has a few hiccups. Some people think that the loan is a gift, so that they never pay it back. They go around being very deferential to the people with money, kissing their hands. However, when it comes time to repay the loan all they give back are empty promises. They say that they need more time. Sometimes they only pay half of it back, since they think the rest of it was a gift to them. If they do not pay it back, they have robbed their neighbor. They have needlessly made him an enemy. Curses and reproaches will follow with dishonor and anger on all sides. This had led many people to refuse to lend money because they are afraid of being defrauded. Thus there are less and less no interest loans happening.