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Mishlei 06-01 (Wishful Thinking) [6:1 thru 6:5]

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Key Concepts of Mishlei 06-01 (Wishful Thinking)
In the previous chapter we have seen how the downward spiral to sin is often marked by self-delusion. Mishlei now touches upon another aspect of self-delusion, which is wishful thinking. This is a quality of human nature that tricks a person into taking foolish chances, thereby exposing himself to the risk of tragedy.
People who are drawn to gambling or to risky business ventures are victims of wishful thinking because they focus their attention on fantasies of favorable outcomes instead of the reality of the situation. A person who has been blessed by Hashem with property or other assets has a responsibility to use it wisely. He should use it to do mitzvos, support Torah, provide for his family, and serve Hashem. But he needs to beware the dangers of wishful thinking for he can lose everything. If he exposes his wealth to undue risk he is betraying his responsibility.
Exploring Mishlei
To illustrate the dangers of wishful thinking, Mishlei uses the example of the person who agrees to guarantee a loan. On the surface this may seem a worthy thing to do, and it may very well be a mitzvah, but it opens up the unwary individual to the risk of doing something that he may come to bitterly regret.
Typically, when a person guarantees a loan he does not have to put up any money and yet he can bask in the gratitude and good will of the borrower and lender. He assumes the loan will be repaid without his intervention and he will come out of the deal looking good.
It is generally much more difficult to refuse a request for a guarantee than to refuse a request for a loan. Refusing to give a guarantee shows lack of confidence in the borrower, which can be awkward.
The problem is that there is a serious risk of the loan not being repaid. If a large sum of money is involved and/or if the same guarantor commits himself a number of times he may be exposing himself to an obligation far in excess of what he is able to pay. He has been a victim of wishful thinking.
Mishlei enters the story at the point where the foolish commitment has already been made. He rebukes the guarantor for having allowed himself to get into this situation and urges him to do what he can to placate the lender and unwind his obligation before the due date of the loan, when it may be too late.
(א) בְּנִי אִם עָרַבְתָּ לְרֵעֶךָ תָּקַעְתָּ לַזָּר כַּפֶּיךָ: (ב) נוֹקַשְׁתָּ בְאִמְרֵי פִיךָ נִלְכַּדְתָּ בְּאִמְרֵי פִיךָ: (ג) עֲשֵׂה זֹאת אֵפוֹא בְּנִי וְהִנָּצֵל כִּי בָאתָ בְכַף רֵעֶךָ לֵךְ הִתְרַפֵּס וּרְהַב רֵעֶיךָ: (ד) אַל תִּתֵּן שֵׁנָה לְעֵינֶיךָ וּתְנוּמָה לְעַפְעַפֶּיךָ: (ה) הִנָּצֵל כִּצְבִי מִיָּד וּכְצִפּוֹר מִיַּד יָקוּשׁ:
(1) My son, if you guaranteed a loan to your friend, if you gave your handshake to a stranger, (2) you have been caught by the words of your mouth, you have been trapped by the words of your mouth. (3) Do this now, my son and save yourself, For you have come under the power of your friend. Go humble yourself and curry favor with your friend. (4) Give no sleep to your eyes and slumber to your eyelids. (5) Hurry to escape like a deer from the power of the [trap], and like a bird from the power of the snare.
Learning Mishlei
(א) בְּנִי אִם עָרַבְתָּ לְרֵעֶךָ
My son  בְּנִי , if someone asks your friend to lend him a large sum of money but your friend only agrees on condition that you are willing to guarantee the loan, don’t delude yourself into thinking that what you are doing is risk-free. The debtor may very well be unable to repay and you will be faced with the need to cover the loan. You could then end up being impoverished because of a rash decision that brought you no real benefit. And so, if you foolishly guaranteed  -אִם עָרַבְתָּ large loan to be repaid to your friend  לְרֵעֶךָ , you have placed yourself in a bad position.
תָּקַעְתָּ לַזָּר כַּפֶּיךָ:
It is even worse if the lender is someone you don’t know very well, in which case you gave your handshake to an unsympathetic stranger  תָּקַעְתָּ לַזָּר כַּפֶּיךָ , who will be unforgiving when the time comes to demand payment.
(ב) נוֹקַשְׁתָּ בְאִמְרֵי פִיךָ 
נִלְכַּדְתָּ בְּאִמְרֵי פִיךָ:
Even if the lender is your friend and will go easy on you, you have been caught by the words of your mouth  נוֹקַשְׁתָּ בְאִמְרֵי פִיךָ , foolishly thinking that you will not be held to account. But if the lender is a stranger you are worse off for you have been firmly trapped by the words of your mouth  -נִלְכַּדְתָּ בְּאִמְרֵי פִיךָ and you won’t get out of the situation without anguish.
(ג) עֲשֵׂה זֹאת אֵפוֹא בְּנִי וְהִנָּצֵל 
כִּי בָאתָ בְכַף רֵעֶךָ
My advice is that you do this now, my son  עֲשֵׂה זֹאת אֵפוֹא בְּנִי and save yourself  וְהִנָּצֵל . For you have come under the power of your friend  כִּי בָאתָ בְכַף רֵעֶךָ , who can force you to cover his loss if the borrower fails to meet his obligation.
לֵךְ הִתְרַפֵּס וּרְהַב רֵעֶיךָ:
Go quickly to humble yourself  -לֵךְ הִתְרַפֵּס and curry favor with your friend  וּרְהַב רֵעֶיךָ . Don’t wait until the loan is due, but try to extricate yourself from your commitment when there is still a chance that the borrower can repay the money.
(ד) אַל תִּתֵּן שֵׁנָה לְעֵינֶיךָ 
וּתְנוּמָה לְעַפְעַפֶּיךָ:
You have put yourself in an untenable position. This is not a time to take it easy and hope for the best. Work day and night with both the borrower and the lender to get the matter resolved. At night give no sleep to your eyes — אַל תִּתֵּן שֵׁנָה -לְעֵינֶיךָ and by day give no slumber to your eyelids  וּתְנוּמָה לְעַפְעַפֶּיךָ .
(ה) הִנָּצֵל כִּצְבִי מִיָּד 
וּכְצִפּוֹר מִיַּד יָקוּשׁ:
Hurry to escape  -הִנָּצֵל from the situation like a deer  -כִּצְבִי that springs away from the power  מִיָּד of the trap, and like a bird  -וּכְצִפּוֹר that flies away from the power of the snare  -מִיַּד יָקוּשׁ before its jaws can close.
Sources
The primary sources used in the interpretation of the verses of this segment are listed below.
א - רש"י, אבן עזרא, המאירי, אבן יחייא, רשר"ה
ב - רש"י, המאירי, רלב"ג
ג - המאירי, מצודות, שבט מיהודה
ד - המאירי, שבט מיהודה
ה - רש"י, אבן עזרא, המאירי, רלב"ג