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אם כסף אומר ה"ר יהודה חסיד דלכך נכתב בלשון אם לפי שפעמים שהוא רשות כגון הלוה ואינו משלם: אם כסף תלוה, “if you lend money, etc.;” Rabbi Yehudah hachassid says that the reason this verse commences with the word אם, “if,” instead the word כאשר, “when,” is that there are occasions when this is not a commandment but something that is voluntary, such as when the borrower has a reputation of not repaying a loan.