Tāpa-traya means three kinds of miseries: miseries inflicted by other persons or other living entities... That is, we have practical experience. We create so many friends also, so many enemies also. We do not go into the jungle because we know there are jungle animals who may attack us. So... Even at home there are bugs, there are mosquitoes; they also give us trouble. So there is a kind of trouble or misery inflicted by other living entities. That is called adhibhautika. Three kinds of miseries. Miseries offered by other living entities. We also offer, I mean to say, miseries to the other animals. Just like we have created our slaughterhouse. We send so many cows and animals for being slaughtered. Similarly, we are also attacked by other animals. So this is the law of nature. I am killing you, you are killing me. This is called adhibhautika. This is one class of misery. The other class of misery is due to this body and mind. Sometimes the body is sick; we don't feel very nice. Sometimes the mind is disturbed. That is also..., it may be due to other friend or other relative; so mind is not in order. This is called adhyātmika. So adhibhautika, adhyātmika. And other disturbance created by adhidaivaika. Daiva means on which we have no control. Just like earthquake, flood, or similar nature's disturbance on which we have no control.
So here it is said, tāpa-traya-duḥkhitātmā. Duḥkhi. That is our ignorance. We are always unhappy due to these three kinds of miseries inflicted by the laws of nature, but still, we think that we are very nice. But actually we are duḥkhitātmā, we are always sorry. Nirvidyate na kuṭumba-rāmaḥ. But there is no satiation because the only solace is that he is within the so-called friendship, love and society. That's all. Kuṭumba-rāmaḥ. Vitteṣu nityābhiniviṣṭa-cetā vidvāṁś ca doṣaṁ para-vitta-hartuḥ. And being too much attached to money matters, even learned persons, even very, I mean to say, advanced intellectually, they also try to steal others money. Para-vitta. Although it is a fault. Although it is fault. Vitteṣu nityābhiniviṣṭa-cetā. Nitya, perpetually too much attached to money. Nityābhiniviṣṭa. Niviṣṭa means profoundly attached. Profoundly attached to money. Vidvāṁś ca doṣaṁ para-vitta-hartuḥ. Although to take other money or to steal others' money is a fault It is a fault not only to the law of the state, but it is a fault to the law of the Supreme God also. You can avoid the state law by stealing, but you cannot avoid the law of the Supreme Person. You see, He can see everywhere. You can steal very stealthily so that police constables or police force cannot see. You are think that "I am doing very nicely. Nobody can see me." But you cannot avoid the eyes of the Supreme. So doṣa, it is fault. Either in this world or in the next world, it is faulty. But we are so accustomed, we are so, I mean to say, profoundly attached to money that we take illegally others' money. Para-vitta-hartuḥ. Pretyeha vāthāpy ajitendriyas. Although we know that in this world it is faulty and also next world it is faulty, but because we have our senses uncontrolled, we cannot change. Aśānta kāmo harate kuṭumbī. And the main attraction is all these nonsense things are done simply being attached to the so-called society, friendship, and love. That's all.