One should never incur debt with their Acharya or temple. In general terms, one should not take out a loan and thus incur debt. Angira explains, ‘Never should one take out a loan unless circumstance such as death prevails. One should avoid the wealth of a Guru or Deva just like they would avoid poison.’
Similarly they should never borrow tools, utensils, raw materials, etc. for personal use in their home, business etc. Therefore cooking utensils, jewellery, clothing or money should never be borrowed from temples for personal use. Yama in Prayaschit Mayukha explains further, ‘Householders, who take bricks, wood, stone or metals for personal use in their home, suffer great consequences. Householders, for their personal well being, should not accept clothing, utensils, wealth or grain from God, Guru, Brahmin or Tapasvi. They may however accept items if given in good faith for services rendered, as no sin is incurred in such circumstance.’