Midrash su Deuteronomio 24:13

Our Rabbis were taught: It happened with the King Monbas, who had distributed his treasure and that of his parents, in the years of famine, that his brothers and the whole household murmured against him, saying: "Your ancestors saved [treasures] and increased the savings of their ancestors, and you distribute thine and that of thy ancestors." And he rejoined: "My ancestors stored up treasures here below, and I store up treasures in heaven, as it is said (Ps. 85, 12) Truth will grow up out of the earth and righteousness will look down from heaven. My ancestors stored away [treasures] in a place which could be reached by a [human] hand, but I have stored away in a place that can be reached by no [human] hand, as it is said (Ib. 89, 15) Righteousness and justice are the prop of Thy throne; kindness and truth precede Thy presence. My ancestors stored away [treasures] which yielded them no interest, and I have stored away [treasures] which yield interest, as it is said (Is. 3, 10) Say ye to the righteous, that he hath done well; for the fruit of their doing shall they eat. My ancestors have stored away money in their treasury, but I have stored away the saved souls in my treasury, as it is said (Prov. 11, 30) The fruit of the righteous is of the tree of life; and the wise draweth souls to himself. My ancestors have stored away for their descendants, but I have saved for myself, as it is said (Deut. 34, 13) … and unto thee shall it be as righteousness before the Lord thy God. My ancestors have stored away [treasures] for this world, but I have stored away [treasures] for the world to come, as it is said (Is. 58, 8) … and before thee shall go thy righteousness; the glory of the Lord shall be thy reward."

The two different items that were pledged—habol tahbol.²²Though Exod. 22:25 speaks only of night garments, the repetition of the word haval (havol tahbol) indicates that two different pledges are referred to, and thus that it also refers to implements required in the daytime. The verse teaches us that if one borrows the pin of a plow, he must return it upon awakening. In one verse Scripture says: Thou shalt restore the garment unto him before the sun goeth down (Exod. 22:25). And another verse states: Neither shall the sun go down (Deut. 24:15). From these verses you can conclude that just as you must return the garment in which a man sleeps in the evening, as it is said: When the sun goeth down, so you must return the pin of the plow to him in the morning, before the sun goeth down. Furthermore, In the same day thou shalt give him his hire (Deut. 24:15). Why? Since he is poor. It states likewise: For that is his only covering, it is his garment for his skin, wherein shall he sleep? (Exod. 22:26). If he does not have his garment, he will suffer from the cold during the night and will cry unto Me and I will hear him (ibid.). Two matters, similar to each other, are treated here, a pledge and a man’s hire.

"Before the sun goes down, you shall return it to him": This refers to a day-garment, that you can return the entire day. This tells me only of a day-garment. Whence do you derive of a night-garment that it can be returned the entire night? From (Devarim 24:13) "Return shall you return the pledge to him when the sun goes down." From here they ruled: A day-garment is taken as a pledge during the night, and a night-garment, during the day. A day-garment is returned during the day, and a night-garment, during the night.