A thought that sounds like arithmetic gets admitted to the heart without inspection, and then it runs the hand.
A calculation about timing is the most dangerous thing a person can admit to the heart, because it sounds like responsibility while doing the work of contempt. Once inside it sets the state, the state hardens the eye, and a hardened eye shuts the hand before anyone has to decide to be hard.
Yahweh takes the complaint at the level where the thing started, so a person answers for the calculations they permit themselves long before any money moves. Each refusal then comes faster than the last, until what stands is not one loan withheld but a character assembled out of defensible small decisions.