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The Sutra-Kritanga Sutra says: A being who is attached to the idea of "mine" thinks, "This object is mine, I am its owner." Becoming attached in this way, he acts with audacity, with inappropriate and bold behavior. There is an illustration of this: A merchant, after enduring great hardship, acquired a very valuable gem and stayed outside the city of Ujjain. He spent the whole night worrying that the king, thieves, or even his own family might take his gems. He thought, "How can I keep these gems safe?" The entire night passed in this way. He did not realize that the night was passing. Later, when the day dawned, he began to hide his gems in a secret place. The king's men saw him and took the gems from him. In the same way, a person, bewildered by indecision, thinks, "What should I do?" He does not realize that his life is passing away. He becomes attached to possessions and, driven by his initial impulses, commits sinful acts of audacity. He remains thirsty and greedy for sensual pleasures, and like the tormented merchant who is attached to his possessions, he spends his days and nights consumed by the desire for wealth. He torments his body. It is said: An ignorant being, believing himself to be immortal, thinks, "I will never grow old, nor will I ever die." Driven by his desire for wealth, he suffers. He thinks, "My life and my wealth will last forever." Thus, tormented by anxious thoughts, he wonders, "When will the caravan of merchants leave? When will they depart from here? What goods are they carrying? How far will they go?" To protect his wealth, he sometimes digs into mountains or other high places, sometimes digs into the earth, and sometimes looks for other places. He cannot sleep at night and is constantly suspicious during the day. In this way, he becomes confused by the pain of the four mental afflictions and, like the merchant who believes himself to be immortal, he is devoid of good intentions and pure outcomes. He engages in violence and other harmful actions day and night.
**Verse 19:**
"Abandon wealth, livestock, and all possessions. Relatives, loved ones, and friends are of no real help. Even though a person laments and mourns for them, and is attached to them, others will take his wealth when he dies."
**Commentary:**
"Wealth" refers to all kinds of material possessions, and "livestock" refers to cows, buffaloes, and all other animals. Do not become attached to them. "Relatives" include parents, in-laws, and all those who are related by blood or marriage. "Loved ones and friends" include those who play together and share common interests. These parents, in-laws, and friends do not truly help a person. Yet, he laments and mourns for them, and becomes attached to his wealth, livestock, relatives, and friends. For example, he cries out, "Oh, Mother! Oh, Father!" and becomes consumed by grief and sorrow. He becomes attached to his possessions and falls into delusion. Even though he is handsome, he is like a skeleton; even though he is wealthy, he is like a merchant attached to his possessions; even though he has grain, he is like a wealthy merchant who hoards his wealth. He loses his composure and becomes confused. The wealth that he has acquired through great hardship and by oppressing others will be taken away by others, either while he is alive or after he dies. He will only experience suffering and the bondage of karma. Knowing this, one should abandon sinful actions and practice austerities.