John Winthrop mentions the passage of Isaiah 58:10 "If thou pour out thy soul to the hungry, then shall thy light spring out in darkness, and the Lord shall guide thee continually, and satisfy thy soul in drought, and make fat thy bones" This goes hand in hand with the idea of charity while hiding the goal of setting up a loan system into the New World society.
"There are two rules whereby we must walk with one another: justice and mercy." Winthrop states here that justice is not to be abandoned when it comes to repaying loan. While doing so Winthrop does indeed argue for less severe punishments but not to leave the ones who default on payments without needing to answer for transgressions.
In short the purpose of this sermon was to spoken with the purpose to draw attention to the causality of participating in a loan and what each participant the lender and the borrower to come to a mutual understanding with moral implications needed in order to come together in a sense of spiritual agreement while fulfilling the necessities of one another. Borrowing and Lending out must come to a compassionate understanding of each other's predicaments.
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