ʿUbūdiyya: Servanthood
Ibn Arabi treats being a servant as built into being human. Everyone takes orders from something: a paycheck, a reputation, a fear of falling behind. People who feel independent usually just haven't looked at what sets their schedule.
God has not put two hearts inside one chest: only one thing holds the center
A line of the Quran that Sufis come back to often. A person can want two things at once, but only one gets the deciding vote when the two disagree. The split feels workable for a while, and then a hard choice shows which one was in charge.
Shirk khafī: Quietly setting something up beside God
The Prophet warned about a hidden form of this, one nobody notices in themselves. Nobody announces that money has become their god; it takes the seat slowly, through what gets checked first each morning. Someone can name God as their master and still be taking daily orders from somewhere else.
Love of the world is the head of every fault: the pull underneath the rest
Al-Ghazali repeats this saying throughout his work. Rent and groceries matter; the pull starts when being secure becomes the measure for every decision. Most small betrayals, the shading of the truth, the quiet hoarding, begin as moves to protect what a person already has.
Ikhlāṣ: Sincerity, doing a thing for one reason only
Al-Ghazali describes sincerity as an act with a single aim behind it. Work done half for God and half for what it earns you tends to end up serving the earnings. When the payment or the credit is taken away, whatever keeps a person going was the master all along.
Zuhd: Doing without
Junayd described it as empty hands and, more to the point, a heart that has stopped chasing. Someone can own a house without being owned by it, while someone with nothing thinks about money all day long. The grip loosens at the point where losing the money would not change who a person answers to.