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It is an analogy for your life.
Do you want to go through your life constantly looking over your shoulder for those things in your past that are always in danger of catching up with you, crimes, bad things you might have done, debts that haven't been paid, etc? If the answer is yes, then go ahead and take the money.
But if you want to live a clean life where you don't have to worry about stuff because you don't commit crimes, you try hard not to do bad things, you make sure your debts are paid then don't take the money because you don't want to have to live life constantly on the run.
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