פּירוש אויף שמות 22:26

כי הוא כסותה FOR THAT IS HIS RAIMENT — i. e. his upper garment;

כי היא כסותה לבדה “for it is her only blanket to cover herself with (at night).” The same is the case if she has only one garment to wear during the daytime. If she possesses more than one of each of those items, the lender need not return the pledge every evening and morning for exchanging one against the other.

והיה כי יצעק אלי, “and it will come to pass that if the borrower cries out to Me,” (complaining about unfair treatment) the borrower’s complaint to Me will sound as follows: “we have both been created by You as equals. Why should the lender sleep comfortably each night with a pillow to rest his head on, while I have to rest my head on a stone?” At first glance the wording of the Torah describing G–d’s response, i.e. “I will listen for I am gracious,” to the borrower’s complaint does not appear to fit his complaint; This is why I, (author) have decided to interpret the verse differently. It appears to relate to what was written previously in verse 25, where the Torah commanded the lender to restore the pledge (pillow) by nightfall, so that he can also rest his head on a pillow. G–d’s response is to be understood as follows: “if the borrower in his prayers mentions that you have treated him with consideration, I too will consider your own problems having due regard for the empathy you have shown the borrower.” This is spelled out clearly in Deuteronomy 15,10, where the subject of how to relate to destitute people is discussed at greater length.