3. To this must be added that I cannot be ungrateful to God; for I must rather rejoice that I had such a brother than grieve that I had lost a brother, for the former is a gift, the latter a debt to be paid. And so, as long as I might, I enjoyed the loan entrusted to me, now He Who deposited the pledge has taken it back. There is no difference between denying that a pledge has been deposited and grieving at its being returned. In each there is untrustworthiness, and in each [eternal] life is risked. It is a fault if you refuse repayment, and piety if you refuse a sacrifice. Since, too, the lender of money can be made a fool of, but the Author of nature, the Lender of all that we need, cannot be cheated. And so the larger the amount of the loan, so much the more gratitude is due for the use of the capital.