Êxodo 22:26 Midrash: Mekhilta DeRabbi Yishmael, Sifra, Midrash Tanchuma & Shemot Rabbah

(Exodus 22:26) "for it is his solitary covering": This is his cloak. "it is his garment for his skin" — this is his undergarment. "On what shall he lie?": to include his mat-skin. "and it shall be, if he cries out to Me, I shall hear; for I am gracious." R. Nathan says: If one left beth-din owing his neighbor a hundred and wearing a garment worth two hundred, he (the creditor) should not say to him: "Sell your garment for two hundred, cover yourself with one of one hundred, and give me the hundred (that you owe me.") This is the intent of "For it is his solitary covering" — You are not permitted to deprive him of a garment which is "familiar" to his body.

8) Lest you say "There is food and there is drink, but without peace there is nothing!" It is, therefore written (Shemoth 22:26) "And I will put peace in the land" — whence we are apprised that peace is over and against all. And thus is it written (Isaiah 45:7) ("I) form light and create darkness. (I) make pace and create 'all.'" — whence we are apprised that peace is over and against all.

Our rabbis teach us that the borrower, the guarantor, the witnesses, and the scribes are all considered culpable, (for without them the moneylender would not have loaned his money on interest). Therefore, all of them shall be punished. Whence do we learn that the borrower is punished? It is written: Thou shalt not cause thy brother to lend upon interest (Deut. 23:20). To what can interest be likened? To a person who does not feel or notice the bite of a snake until the swelling appears. Similarly, interest is not felt until it has increased for the debtor. If thou at all take thy neighbor’s garment to pledge (Exod. 22:25). The Holy One, blessed be He, said to him: If he is in debt to you, you are also in debt to Me, as it is said: If they sin against Thee—for there is no man that sinneth not (I Kings 8:46).