भोगैश्वर्यप्रसक्तानां तयापहृतचेतसाम्।व्यवसायात्मिका बुद्धिः समाधौ न विधीयते॥
bhogaiśwvarya-prasaktānāṃ tayāpahṛta-cetasāmvyavasāyātmikā buddhiḥ samādhau na vidhīyate
Word by word
The verse says
For people held fast by pleasure and power, whose minds have been carried off by all that, no settled mind is possible.
In plain words
The conclusion, and it is blunt.
If you are held by enjoyment and status, the settled mind of verse 41 is simply not available to you.
Not harder. Not available. Krishna is describing a mechanism, not handing out a punishment.
Where you've felt this · with money
You cannot hear what someone is telling you because you are waiting to find out whether it is good news. The information is right there. The waiting is using the part of you that would have taken it in.
Going deeper
Apahṛta-cetasām — those whose minds have been carried off, stolen away. The image is of theft, and it is doing careful work.
These people have not chosen to be distracted. Something has taken the equipment. That is why Krishna states this as an impossibility rather than a failing — you cannot resolve to be resolute with a mind that is currently elsewhere.
The word samādhau in the last line is disputed among commentators and worth flagging. It can mean the settled absorption of deep meditation, which would make the verse about spiritual attainment. It can also mean, more plainly, fixedness — the state of being settled.
Both readings hold, and the second is more useful for an ordinary reader. You do not need a meditative context for this to bite. Anyone who has tried to think clearly about a decision while badly wanting one of the outcomes knows the mechanism.
And notice that this is a diagnosis of Arjuna, delivered without naming him. He is a man whose mind has been carried off.