"In the same way, monks, whoever has no conviction with regard to skillful mental qualities, no sense of conscience with regard to skillful mental qualities, no sense of concern with regard to skillful mental qualities, no persistence with regard to skillful mental qualities, no discernment with regard to skillful mental qualities is, in the discipline of a noble one, said to be poor, destitute, & penniless.
"He — in this way poor, destitute, & penniless —engages in misconduct by way of the body, misconduct by way of speech, misconduct by way of the mind. For him, I tell you, this is getting into debt.
"For the purpose of concealing his bodily misconduct, his verbal misconduct, his mental misconduct, he formulates evil desires: He desires, 'May they not know about me.' He resolves, 'May they not know about me.' He speaks, [thinking,] 'May they not know about me.' He makes an effort with his body, [thinking,] 'May they not know about me.'
For him, I tell you, this is interest payment.
"And then his companions say about him, 'This one acts in this way, behaves in this way.'
For him, I tell you, this is being served notice.
"And then, wherever he goes, sits, lies, falls asleep, stands up, eats, drinks, he is beset with evil, unskillful thoughts accompanied by remorse.
For him, I tell you, this is being hounded.
"He — poor, destitute, & penniless, having engaged in misconduct by way of the body, misconduct by way of speech, & misconduct by way of the mind — on the break-up of the body, after death, is bound by the bond of hell or the bond of the animal womb.
And I can imagine no one other bond so tormenting, so painful, so obstructive to the unexcelled rest from bondage, as the bond of hell or the bond of the animal womb."