निष्पतितप्रेतव्यसनिनामाधाता मूल्यं भजेत ॥ कZ_०३.१३.०८ ॥
niṣpatita-pretavyasaninām ādhātā mūlyaṃ bhajeta
In the cases of one who has absconded, one who is deceased, or one afflicted by vice/addiction, the pledge-holder (ādhātā) shall receive (a share of) the value/price.
It allocates loss from non-performance (flight, death, incapacity due to vice) by compensating the creditor/pledge-holder, stabilizing credit markets and discouraging strategic default.