011 Arhat Kṣudrapanthaka
Do not drift with the current or be overly calculating; instead, be calm and at ease with circumstances. Unknown dangers may lurk even in peaceful environments; only by being prepared for adversity and planning ahead can one stay out of trouble.
For those who receive this verse, seemingly smooth progress already hides potential crises, all because of an excessive focus on money. If one were less greedy and more far-sighted, disasters could naturally be averted and dangers turned into safety.