अनुबन्धं क्षयं हिंसामनपेक्ष्य च पौरुषम्।मोहादारभ्यते कर्म यत्तत्तामसमुच्यते॥
anubandhaṃ kṣayaṃ hinsām anapekṣya ca pauruṣammohād ārabhyate karma yat tat tāmasam ucyate
Word by word
The verse says
Work begun out of confusion, with no thought for what follows, for what it costs, for the harm it does, or for whether you can actually do it: that is called dark.
In plain words
The third kind, and it is defined by four things not looked at.
Consequences. Cost. Harm. And your own capacity.
That last one is unusual and worth noting. Overreaching is listed next to carelessness and harm, as a failure of the same kind: not checking.
Where you've felt this · with money
A relative takes a loan against his house to put into a business he has not run before, because a friend is doing well at it. He has not seen the friend's accounts. He has not worked out what happens if the first year is slow. He is not reckless by temperament. He simply did not sit down with a piece of paper at any point.
Going deeper
Not looking is the single failure behind all four items, and that makes this the most preventable of the three.
Consequences, cost, harm and capacity are all things you could find out. None of them requires special insight. They require sitting down with the question before rather than after, which is a small and unglamorous act.
The heavy strand is not described anywhere in this book as wanting bad outcomes. It is described as the absence of looking, and the outcomes follow from the absence. The damage is real but nobody intended it.
Including your own capacity on the list is the kindest part. Knowing what you can currently do is not pessimism or low ambition. It is one of the four things a person who is paying attention would check, and it is the one most often skipped by people who mean well.