In India, according to Vedic civilization, one is very much afraid of taking loan from others because he has conviction, "If I do not pay, then in my next life I'll have to pay many times. So I must liquidate my debt." That's a fact

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"If I do not pay, then in my next life I'll have to pay many times. So I must liquidate my debt"

Lectures

Srimad-Bhagavatam Lectures

In India, according to Vedic civilization, one is very much afraid of taking loan from others because he has conviction, "If I do not pay, then in my next life I'll have to pay many times. So I must liquidate my debt." That's a fact. If you take one cent from somebody else without doing something good to him or without exchanging something, then you are debtor, and you have to pay him with interest and compound interest. That is the law of karma. You cannot take anything. We are debtor to so many things. People have no idea.
Lecture on SB 1.5.13 -- New Vrindaban, June 16, 1969:

So viṣṇu-bhakto bhaved daiva āsuras tad-viparyayaḥ. Unless, even after having all the qualifications, material qualifications, if one is simply nonsense about God, he is rākṣasa, or demon. That is the injunction, or that is the verdict of Vedas. You may have all material qualifications. That's all right. You may be very great man. You may be very well situated man, very much educated, but if you are godless, then you are demon. Viṣṇu-bhakta... That is also confirmed in the Bhagavad-gītā. Kṛṣṇa says, na māṁ duṣkṛtino mūḍhāḥ prapadyante narādhamāḥ (BG 7.15). Duṣkṛtinaḥ. Duṣkṛtinaḥ means these rascals, these demons, these atheists, these godless men can act in any way for their sense gratification. They can do any sinful act, never mind, however grievous it may be. If it is applicable for their satisfaction of senses, they'll do it. They'll do it. They don't care anything. "Oh, I can satisfy my senses by this way. Never mind. Oh, we don't care for God, don't care for sin or hell or this or that. They are all simply allegory." Hedonism.

So whatever "ism"—"ism" is nowadays there—they were all experimental in Indian philosophy. Just like Cārvāka Muni. He was atheist. Amongst the sages there are atheist philosophers also, as in the modern days there are atheist philosopher also. So this Cārvāka Muni, he said, ṛṇaṁ kṛtvā ghṛtaṁ pibet. Ghṛtam. Ghṛtam means butter, clarified butter. If you want to have very palatable dishes, then you require ghee. Without ghee, you cannot make. Either sweetball or kacuris, srngara,(?) so many nice things. So we require sweetball. So... And in India, of course, they wanted palatable dishes, but not otherwise it is made of ghee. But too much eating of these palatable dishes is not good. That makes our senses very strong. So we should not take much of it, but we can take something of kṛṣṇa-prasādam and satisfy ourself. So he says that, Cārvāka Muni, ṛṇaṁ kṛtvā ghṛtaṁ pibet: "Beg, borrow or steal. Get some money and eat, as much as possible, ghee." You see? This is modern civilization. "Any way, bring money and satisfy your senses. That's all. Finish business."

So he, he propagated this philosophy, Cārvāka Muni, that ṛṇaṁ kṛtvā ghṛtaṁ pibet. In India, according to Vedic civilization, one is very much afraid of taking loan from others because he has conviction, "If I do not pay, then in my next life I'll have to pay many times. So I must liquidate my debt." That's a fact. If you take one cent from somebody else without doing something good to him or without exchanging something, then you are debtor, and you have to pay him with interest and compound interest. That is the law of karma. You cannot take anything. We are debtor to so many things. People have no idea. Devarṣi-bhūtāpta-nṛṇāṁ pitṟṇām (SB 11.5.41). These are stated in the śāstras, that we are indebted, debtor to the demigods. Just like we are getting so much sunlight. We are enjoying: "Oh, today is a very nice day." But do we pay any tax? Do we pay anything? No. But in the Vedic injunction there is sun-god worship. Therefore we find that so many demigods' worship, yajñas. The feeling that "I am taking so much advantage from the sunshine, so I must give him something," this is called sacrifice.

So everything is arranged by God. Everyone... Ekale īśvara kṛṣṇa āra saba bhṛtya (CC Adi 5.142). Everyone is... So if you worship Kṛṣṇa, then your everything is... Just like if you pay tax to the government, you satisfy all the department—the vehicle department, this department, that, light department, water department. You pay once. Similarly, sarvārhaṇam acyutejya. Acyuta means Kṛṣṇa. If anyone is not Kṛṣṇa conscious, if he, one is not sacrificing for Kṛṣṇa, he's becoming indebted to the demigods, to the sages, ṛṣi. Ṛṣi. Just like Nārada Ṛṣi is giving us good literature. He is instructing Vyāsadeva, "Give this literature to the people." We are taking advantage of Śrīmad-Bhāgavatam. Are we not debtor? We go to school, college, and pay so much fees to the teachers. Are we not debtor to Vyāsadeva and Nārada? But we don't care for it. So acyutejya. If you become Kṛṣṇa conscious, naturally you will try to propagate the teachings of Bhagavad-gītā and Śrīmad-Bhāgavatam. That means you are paying. You have learned something from them, and you are distributing the knowledge. That was their mission. If you keep it for yourself, then you are simply debtor. You are not paying. So there are so many complications. So all these complications can be solved simply by Kṛṣṇa consciousness. Sarvārhaṇam acyutejya. That is the verdict of Veda.