36th Commandment: Taking a garment as collateral

Exodus 22:26 “If you ever take your neighbor’s garment as a pledge, you shall return it to him before the sun goes down.”

27 [YHWH’s REASON] “For that [is] his only covering, it [is] his garment for his skin. What will he sleep in? And it will be that when he cries to Me, I will hear, for I [am] gracious.”