'There are four kinds of people whose supplications do not get answered: the man who sits in his house saying, ?O My Lord, grant me sustenance', to whom He says, 'Did I not command you to seek [for your sustenance]?', then there is the man who has a wife and supplicates against her, to whom He replies, 'Did I not make you responsible for her [put her affairs in your hands]?', and a man who has wealth and wastes it, who says, ?O My Lord, grant me sustenance', to whom He replies, 'Did I not command you to be economical?'...and a man who has wealth and loans it to someone without keeping any proof [of loan], to whom He replies, 'Did I not command you to take a witness?!'