The first way of refuting someone with a pledge attitude is by saying to him, "You who doubt the Creator's power to determine and do not believe in His great might,(you) whose light of intellect has been dimmed whose lamp of understanding has been put out, overcome by the darkness of your desires it would be correct on your part to demand and take a pledge from your friend and equal who has no authority over you and whose command does not obligate you. It would not, however, be correct for a hired worker to insist on receiving from his employer a security for his salary before he has even started working for him.  Certainly, a servant should not insist on receiving from I master a security for his maintenance before beginning to serve him still less should a creature demand a pledge from his Creator before beginning to serve Him" pg 457  

 I find it imperative to expose the ignorance and error in this outlook in seven ways through which the magnitude of the error will be revealed, even if it entails a lengthy discussion, for this puts to shame and reproof the advocates of this attitude who are known as the advocates of "pledge taking."   In this, they are like the businessman who, when selling on credit to someone he does not trust, asks for a pledge at the time of sale because he fears that the client is unreliable and will be unable to pay him. pg 457

 If a preacher admonishes him or a teacher counsels him and says to him, "How long will you neglect to give thought to the provisions you should make for your final journey and to the concerns of your ultimate destination?" he replies, "Until I have provided for my own livelihood and needs and those of my family my wife and children to the end of our days. Then, when I have peace without worldly concerns, I will be free to fulfill my obligations to the Creator and will consider making provisions for the appointed day." pg 455