What does Ecclesiasticus Chapter 29 say, and which statements belong to its speaker?

Ecclesiasticus 29 connects mercy with lending and stronger hand with commandments; a separate edition note explains hearty bountiful aid in need. Lend during need, repay promptly, keep word and faithfulness for necessary provision. Many treat loans as findings, trouble helpers, kiss hands and humble promises before receipt, then ask delays, murmur and complain. Able debtors stand off and barely repay half as windfall; unable ones defraud, gain unwarranted enmity and repay benefits with curses and injury. Some refuse lending through fraud fear rather than wickedness. Nonetheless be hearty and prompt in poor relief, not dismissing empty-handed. Lose money for brother and friend rather than hide under stone to be lost. Commandment-treasure exceeds gold, alms in poor hearts help against evil, better than mighty shield and spear and fighting enemy. No silver-rust mechanism or independently proven invincible armor is added.

Good men stand surety, shameless leave neighbors; remember surety kindness because he has given life. Sinners and unclean flee him, appropriate his goods and thanklessly abandon deliverer; shameless guarantors also forsake neighbor. Evil suretyship has undone good estates, tossed sea-wavelike and made powerful people wander foreign places. Commandment-breaking falls into evil surety, multiple undertakings judgment. Recover neighbor according to power while avoiding one's fall. These are actual distinctions, not an invented guarantee of financial freedom or a declared universal bankruptcy history.

Life's chief needs are water, bread, clothing and shame-covering house. Poor fare under board roof exceeds sumptuous food in another's house. Contentment with little avoids going-abroad reproach. House-to-house guest life is miserable, unable to speak confidently as stranger, yet feeding and serving drink to ungrateful people while hearing bitter words. Quoted commands tell the stranger to furnish table and give others what is in hand, then make place for honorable friends because the householder needs space for brother. Houseroom and lender reproach grieve understanding. Guests are not labeled parasites or vagrants, nor are houses specified mansions.