ऋणत्रयमसंशोध्य त्वनुत्पाद्य सुतानपि । तथा यज्ञाननिष्ट्वा च मोक्षमिच्छन्व्रजत्यधः
ṛṇatrayamasaṃśodhya tvanutpādya sutānapi | tathā yajñānaniṣṭvā ca mokṣamicchanvrajatyadhaḥ
若不偿还三种债——不生子嗣、不行祭祀(yajña)——却妄求解脱(mokṣa),此人必将堕落,失于正道。
Skanda (deduced: Kāśīkhaṇḍa commonly Skanda → Agastya)
Scene: A would-be renunciant turns away from household duties; shadowy imagery of descent contrasts with a luminous path available to one who has fulfilled debts—sages, devas, and pitṛs appear as witnesses, indicating unmet obligations.
Liberation is not a bypass of dharma; one must mature through duties—learning, lineage, and worship—before claiming renunciation.
Kāśī’s mokṣa-vision is the backdrop, but the verse stresses universal dharma-preconditions rather than a named tīrtha.
Repayment of the three debts through study/tradition, progeny (pitṛ duty), and yajña (deva duty) before pursuing mokṣa.
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