Proverbs 20:16

     16. Take his garment—implies severe exaction, justified by the surety's rashness.

      a strange woman—by some readings "strangers," but the former here, and in Pr 27:13, is allowable, and strengthens the sense. The debauchee is less reliable than the merely careless.

Proverbs 22:3

     3. are punished—that is, for their temerity; for the evil is not necessarily punitive, as the prudent might otherwise be its objects.

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