Not having a quality, not seeing a quality in oneself, people get annoyed, even angry -- and use 1001 excuses to escape the first training.
Now, one who is stingy and not even willing to master it, can such a person expect to be able to grow in Dhamma?
Could he even understand teachings a little in right way, and open to the next step, i.e. right moral virtue?
(Note: this is not given for trade, exchange, stacks and entertaining binding here, but for an exit for debt)