Shloka 19
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 ||
その虫は言った。「主よ、前の生において私は人間であった――しかも大いに富めるシュードラ（Śūdra）であった。私はブラーフマナ（Brāhmaṇa）たちを敬う心を持たず、苛烈で情け容赦なく、吝嗇で、利息を取る貸し付けで生計を立てていた。そのような行いのゆえに、私はこの卑しい境遇へと堕ちたのだ。」
कीट उवाच
Educational Q&A
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.