Dignity Comes First
Human rights trump property rights says Exodus.If you take a cloak from a neighbour as a pledge you must return it to him before sunset, for it is the only covering for his body and what else has to sleep in. If he shouts out to me I will hear him with mercy.
Exodus 22: 26-27
In other words no debt entitles you to rob another of their basic rights, including their dignity. The cloak is also a symbol of our social covering - the means by which we maintain our dignity and appear with respect before others. Property rights exist - but they are not fundamental and they must be limited by the demands of basic human rights and our shared human dignity.