Musar zu Tehillim 66:12

“You shall not act towards him as a creditor” (Exodus 22:24). We were warned with this not to distress the borrower. And the creditor may not pass in front of him when he knows that the borrower does not have with what to pay him back. For he torments him and weakens his spirit with this. And our Rabbis, may their memory be blessed, said (Bava Metzia 78b), “Behold, it is as if he is judging him with two [punishments], as it is stated (Psalms 66:12), ‘You have let men ride over us; we have endured fire and water.’”