the guru owed the banker ten thousand ducats.
however, he had no money to pay. so he took out another loan of another ten thousand ducats, and he used this money to make his payments. soon this money ran out, as well, and he took another loan of another ten thousand ducats.
the guru did this over and over until he owed the banker ten million ducats.
the guru told his students, “if you owe the banker ten thousand ducats, the banker owns you. if you owe the banker ten million ducats, you own the banker.”