न क्लेशेन विना द्रव्यमर्थहीने कुतः क्रियाः । क्रियाहीने कुतो धर्मो धर्महीने कुतः सुखम्
na kleśena vinā dravyamarthahīne kutaḥ kriyāḥ | kriyāhīne kuto dharmo dharmahīne kutaḥ sukham
หากไร้ความเพียรย่อมไม่มีทรัพย์; เมื่อไร้ทรัพยากร การประกอบกิจย่อมมีได้อย่างไร? เมื่อไร้กิจย่อมไม่มีธรรม และเมื่อไร้ธรรม ความสุขจักมีที่ใด
Skanda (deduced; Kāśīkhaṇḍa commonly Skanda speaking to Agastya)
Tirtha: Kāśī
Type: kshetra
Scene: A sequential ‘ladder’ scene: a worker/householder earning honestly, then offering dāna at a ghāṭ, then performing simple Śiva-pūjā, culminating in a serene family/pilgrim experiencing contentment—Kāśī skyline unifying the stages.
Sustained well-being rests on dharma, and dharma is supported by disciplined effort and the capacity to perform right actions.
The wider frame is Kāśī in the Kāśīkhaṇḍa; this verse teaches dharma pragmatics rather than praising a named site.
It generally points to kriyā (religious acts/rites) as necessary supports for dharma, without naming a specific rite.