The Debt

1. A poor, destitute, penniless person

2. Gets into debt

3. Owes interest payments

4. Served a notice

5. He does not pay, they (collection agencies) hound him

6. He is put into bondage (prison)

In the same way (in the discipline of a noble one)...

1. A poor, destitute, penniless person is like... with regard to skillful mental qualities whoever has no:

i. Conviction(faith)

ii. Sense of conscience (shame)

iii. Sense of concern (fear)

iv. Persistence (effort)

v. Discernment (wisdom)

2. Gets into debt is like... engaging in misconduct by way of :

i. The body

ii. Speech

iii. Mind

3. Owes interest payments is like... for the purpose of concealing his bodily, verbal, and metal misconduct, he formulates evil desires:

i. He desires, 'May they not know about me.

ii. He resolves, 'May they not know about me.

iii. He speaks, [thinking,] 'May they not know about me.

4. Served a notice is like... his well-behaved companions in the holy life say about him, 'This venerable one acts in this way, behaves in this way.

5. When he does not pay, they (collection agencies) hound him is like...when he has gone to the wilderness, to the foot of a tree, or to an empty dwelling, he is beset with evil, unskillful thoughts accompanied by remorse (regret).

6. He is put into bondage (prison) is like...on the break-up of the body, after death, is bound by the bond of hell or the bond of the animal womb.

The above is the summary of the Ina sutta. To read the full sutta click the link below:

Ina Sutta -Debt (AN 6.45)