The rhetorical question makes the consequence of unwise surety vivid and personal: if the debt cannot be paid, the creditor will come for everything — even the bed under you. This is a practical warning about the real-world consequence of financial carelessness. Wisdom protects the most basic security of home and rest.
Memory phrase: Careless debt costs everything.
Talk about it: What happens when you borrow more than you can ever give back?
Prayer: God, help me live wisely so I always have enough.