Musar su Deuteronomio 24:12

To return to our situation: It is possible that in ordinary circumstances the lender in question would have had more years to live. He failed to return the pledge when the borrower needed it. This failure may provoke the angel of death into making a "mistake" just as he did with the nursery teacher. His excuse would be that seeing that we all commend our souls to G–d whenever we are too tired to stay awake and active, the "wrong" soul may be forgotten to be returned on the next morning. He who failed to return a pledge he had taken may find that his own pledge is not returned to him either.