|Art: Maryana Beletskaya|
If the Torah were written in order, we would know the precise reward and punishment for each commandment.
There are sins whose punishment is debt. [See Likutey Halachos (Choshen Mishpat) Gevias Chov MeYesomim 2]
One who is punished for such a sin is constantly in debt. All the merit in the world does not erase his punishment. He can do every possible good; still he must remain a debtor. These sins can even cause others to fall into debt. When such transgressions become common, there are many debtors in the world.
The (tikkun) remedy for this is to repent in general for all your sins. Even though you do not know what sin is causing these debts, repent in general and ask G-d to also save you from this particular sin. In times like these, it is very difficult for a religious person to have wealth. To obtain riches, one must lower himself very greatly. But even if he abandons the way of devotion, there is no guarantee of wealth, for even the wicked man can be poor. But if one is truly religious, then he is always far from riches.
When the Temple was destroyed, all wealth left the core and fell into the realm of the evil husks (klipot). It is written [Lamentations1:9] "And she fell with wonders". "Wonders" in Hebrew is PeLAIM. Reverse the letters and you have ALaPHIM, the thousands of wealth. We then read the verse: "And the thousands fell". The thousands of wealth have fallen with wonders. They have fallen so deeply, it is a wonder. If one covets these thousands, then he too must fall with them. But even then he is not sure of riches.
Therefore, it is very difficult for a truly religious person to become wealthy. There are some rich Tzaddikim, but their wealth causes them great difficulty and keeps them from G-d. And though they seem wealthy, they still do not have the ready millions of the irreligious. For true wealth and G-dliness are not found together.
My grandfather, Rebbe Nachman Horodenker ob"m once spoke on the verse [Prov. 3:16] "Long life is in her right hand, and in her left, wealth and honour." The Talmud asks if this means that the right hand of Wisdom can provide only long life, but not wealth and honour. It answers that long life is there, and more certainly wealth and honour.
My grandfather explained that this wealth can be logically derived from the verse, but is not actually there. It is fitting that the righteous have wealth, but it is not actually theirs."
Source: "Rabbi Nachman's Wisdom" by Rabbi Nathan of Nemirov