The mishna states that in hekdesh cases, a shomer who watches for free doesn’t have to swear to be exempt and a shomer who watches for pay doesn’t have to pay in cases of theft or loss. Sources are brought that seem to contradict and various resolutions are brought. Rabbi Shimon and Rabbi Yehuda’s positions are brought and explained. The mishna then explains that in addition to exploitation of money that has been discussed at length in this chapter, there is also a Torah commandment against verbal abuse. Various examples are brought and the gemara stresses how serious an offense it is.