Responsa for Avodah Zarah 12:12

ואי תנא ללוות מהן משום דקאמר בעל כרחיה מיפרענא והשתא מיהא אזיל ומודה אבל ליפרע מהן דתו לא הדרי זוזי אימא צערא אית ליה ולא אזיל ומודה צריכא

And if it had taught the case of lending money [I might have thought this is prohibited] because he might say, “I can enforce payment,” and now he would go and offer thanksgiving, but to recover from them money which will never return to the lender we might regard this as painful to him, and he would not go offer thanks for it. Hence all the instances are necessary.

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