Dāna-Śreṣṭhatā: On the Superiority of Giving
Maitreya–Vyāsa Exemplum
अहमासं मनुष्यो वै शूद्रो बहुधन: प्रभो । अब्रद्याण्यो नृशंसश्न कदर्यो वृद्धिजीवन:
aham āsaṁ manuṣyo vai śūdro bahu-dhanaḥ prabho | abrāhmaṇyo nṛśaṁsaś ca kadaryo vṛddhi-jīvanaḥ prabho ||
The insect said: “Lord, in a former birth I was a human being—indeed a very wealthy Śūdra. I had no reverence for Brāhmaṇas; I was harsh and pitiless, miserly, and I lived by usury. Because of such conduct, I have fallen into this low state.”
कीट उवाच
Wealth without dharma becomes a cause of downfall: irreverence toward the worthy (especially Brāhmaṇas), cruelty, miserliness, and living by exploitative gain (interest/usury) generate negative karma that can lead to a degraded rebirth.
An insect speaks to a lordly interlocutor, confessing its former human life: though rich, it was a Śūdra who lacked respect for Brāhmaṇas and lived cruelly and greedily by usury; the confession explains the karmic reason for its present low birth.