We have here, as often before, a caution against suretiship, as a thing both imprudent and unjust. 1. We must not associate ourselves, nor contract an intimacy, with men of broken fortunes, and reputations, who need and will urge their friends to be bound for them, that they may cheat their neighbours to feed their lusts, and by keeping up a little longer may do the more damage at last to those that give them credit. Have nothing to do with such; be not thou among them. 2. We must not cheat people of their money, by striking hands ourselves, or becoming surety for others, when we have not to pay. If a man by the divine providence is disabled to pay his debts, he ought to be pitied and helped; but he that takes up money or goods himself, or is bound for another, when he knows that he has not wherewithal to pay, or that what he has is so settled that the creditors cannot come at it, does in effect pick his neighbour's pocket, and though, in all cases, compassion is to be used, yet he may thank himself if the law have its course and his bed be taken from under him, which might be taken for a pledge to secure a debt, Exo 22:26, Exo 22:27. For, if a man appeared to be so poor that he had nothing else to give for security, he ought to be relieved, and it was honestly done to own it; but, for the recovery of a debt, it seems it might be taken by the summum jus - the strict operation of law. 3. We must not ruin our own estates and families. Every man ought to be just to himself and to his wife and children; those are not so who live above what they have, who by the mismanagement of their own affairs, or by encumbering themselves with debts of others, waste what they have and bring themselves to poverty. We may take joyfully the spoiling of our goods if it be for the testimony of a good conscience; but, if be for our own rashness and folly, we cannot but take it heavily.

If thou hast nothing to pay,.... When the debtor this, and the creditor demands the debt of the surety: it is weakness in a man to be a surety for another, when he knows he is not able to pay the debt he is bound for, since it may be an injury to himself and family; but it is a piece of wickedness to engage for the payment of a debt, in case of insolvency, which he knows he is not able to answer; for this is deceiving and imposing upon the creditor; and therefore it is no wonder, being provoked by such ill usage, if he goes to extremity, as follows:

why should he take away thy bed from under thee? as in all likelihood he will, being irritated by such a conduct; and as he might, notwithstanding the law in Exo 22:26; for that respects a pledge, and not a debt; and raiment pledged, the covering of a man when in bed, and not the bed itself; for even wife and children might be taken for debt, Kg2 4:1. This is said to deter from suretyship, especially in such circumstances; since a man may bring himself into such a condition as not to have a bed to lie on; yea, to have it taken from under him when upon it; and be turned out from house and home, naked and destitute.

should he take, &c.--that is, the creditor.