Komentarz do Powtórzonego Prawa 24:12

לא תשכב בעבטו THOU SHALT NOT SLEEP IN HIS PLEDGE — This means, thou shalt not go to sleep having his pledge with thee (Sifrei Devarim 277:2; Bava Metzia 111b).

AND IF HE BE A POOR MAN, [THOU SHALT NOT SLEEP WITH HIS PLEDGE]. The term “poor” applies to him who has no alternative pledge similar to the item he gave him [the creditor]. If he had two utensils of the same kind [and both are required as security for the debt], he [the creditor] may take one and give [the other] one back [to the debtor] whether he is poor or rich with many properties [for, since the debtor has but two utensils and he is in need of one of them the creditor must return it to him].

לא תשכב בעבוטו, you must no lie down to sleep while still retaining his indispensable (for him) pawn.