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The Torah’s Prohibition of Interest
In Parshat Mishpatim, the Torah introduces the prohibition against charging interest on loans. The verse (Shemot 22:24) states:
“Im kesef talveh et ami… Lo tasimun alav neshech” – If you lend money to My people… do not place upon him neshech (interest).”
Rashi explains that neshech literally means “a bite,” and the Midrash Tanchuma likens interest to a snake bite. At first, the bite seems insignificant, but over time, the venom spreads, causing swelling and pain. Similarly, interest may appear minor at first—just a small percentage—but it accumulates over time, leading to overwhelming financial burden.
The Torah does not simply use the word ribit (increase), which would directly refer to interest. Instead, it chooses neshech, emphasizing the destructive nature of charging interest. Just as a snake’s bite may not seem dangerous at first, but its poison gradually takes effect, so too, interest initially appears manageable but eventually overwhelms the borrower.
The Deeper Meaning of the Snake’s Bite
Rebbe Nachman, quoting the Zohar, explains that the bite of the snake represents something much deeper than financial loss—it symbolizes the bite of depression. The snake, cursed to eat dust, derives no pleasure from its food, always feeling empty. It bites without benefiting from its prey, simply acting out of its nature. Similarly, a person trapped in sadness feels constant lack, never satisfied with what he has.
Nowhere is this struggle more evident than in financial matters. Money is one of the clearest ways Hashem reveals His providence, yet it is also one of the greatest tests of emunah (faith). When a person is worried about making ends meet—covering rent, tuition, food, and daily expenses—it is easy to fall into anxiety and despair. This is where the snake’s venom takes hold, convincing a person that everything depends on his own efforts rather than Hashem’s sustenance.
The Torah’s prohibition against charging interest is a direct response to this challenge. It teaches that lending should be an act of kindness, not a means of personal gain. A person who lends with a giving heart, rather than profiting from another’s hardship, reinforces the truth that wealth is a gift from Hashem, not a product of manipulation and control.
A Blemish in Faith
The Torah’s prohibition against charging interest is not just about financial ethics—it reflects the deepest test of emunah (faith) in Hashem’s sustenance. When a person engages in interest—whether as the lender, borrower, or even someone facilitating the transaction—he demonstrates a lack of trust in Hashem as the true source of parnassah (livelihood). Because of this, the punishment is severe for all involved.
Rebbe Nachman, in Likutey Moharan Lesson 29, teaches a revolutionary idea: A person does not work to earn a living—he works in order to give tzedakah. Hashem provides sustenance; work is merely a vessel for spiritual rectification, for elevating sparks, and for engaging in kindness. This is why parnassah is mentioned in prayer:
“Poteach et yadecha umasbia lechol chai ratzon”—”You open Your hand and satisfy the needs of every living thing” (Tehillim 145:16).
Livelihood comes from Hashem, not from financial maneuvering. A person who charges or pays interest essentially denies this fundamental belief, falling into kefirah (heresy).
The Root of Interest: A Feeling of Lack
Why would someone charge or take interest? Because he feels empty, worried, and desperate for financial stability. This worry stems from the bite of the snake—a deep spiritual wound of sadness and depression. The Midrash compares interest to a insignificant snake bite on a person’s foot: The pain is not felt immediately, but over time, the poison spreads throughout the body, eventually reaching and swelling even his skull. Similarly, the impact of charging interest seems small at first, but eventually, it overtakes a person’s financial and spiritual life.
Rebbe Nachman teaches that joy in mitzvot elevates holiness from the lowest spiritual level—represented by the legs—up to the Keter, the spiritual crown. Just as a physical crown surrounds and protects a king’s head, the Keter shields the highest levels of divine connection. When a person serves Hashem with simcha, he can break free from financial anxiety and achieve clarity and balance.
The Spiritual Trap of Ribit
A person trapped in the cycle of interest (ribit) is not just facing a financial burden—it’s a reflection of spiritual blockage. The Torah likens interest to a snake bite because its effect is not immediately felt. Just as a snake’s venom spreads from the foot to the skull, so too, financial distress caused by interest escalates until it overtakes a person’s entire life.
When a person falls into the trap of taking or charging interest, it stems from depression and worry—the very symptoms of the bite of the snake. Anxiety about money blocks a person from receiving Hashem’s blessings, replacing faith with desperation. Instead of trusting that Hashem provides for all, a person feels he must rely on financial manipulation, forgetting that parnassah is not dictated by numbers, but by Hashem’s will.
The Kabbalistic Warning in the Word Neshech
The Torah warns Lo tasimun alav neshech—do not place upon your fellow neshech (interest). Hidden within this word is a deep lesson:
- Nun (50) represents the 50th gate—Keter, the spiritual crown that allows access to infinite divine light.
- Shin and Khaf spell shach, alluding to the 320 judgments (dinim), the harshest divine restrictions.
When a person engages in ribit, he invites these dinim into his life, allowing them to block the flow of divine blessings from reaching him. This is why Rashi citing the Midrash emphasizes that the snake bite spreads to the skull—because financial worry starts from the lowest point and expands until it contaminates even the highest level of spiritual connection – i.e. the Keter.
The True Solution: Simcha
But just as there is a cause, there is also a cure. The root of financial anxiety is a lack of simcha. A person overwhelmed by worry falls into the trap of ribit because he has lost his sense of joy and faith. The only way to break free is to restore joy in avodat Hashem. When a person immerses himself in mitzvot with joy—feeling deeply that it’s just me and Hashem—he opens the channels of divine sustenance.
The Torah’s warning against interest is not just a prohibition; it is an opportunity to realign ourselves with faith, gratitude, and joy. By shifting our focus from financial stress to trust in Hashem, we invite His bracha back into our lives.
May we be zocheh to escape the bite of sadness, worry, and financial despair, and instead live with complete faith, joy, and divine blessing, Amen.
This article also appears on the BRI breslov.org website: https://breslov.org/the-bite-of-the-snake/
For a video presentation of this article: https://youtu.be/xI1K3g8-l-4
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Shabbat Shalom
Meir Elkabas
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