Panim Yafot Exodus 22:24

One can say yet more about this verse, in light of what our Sages of blessed memory said [Babylonian Talmud Shabbat 151b], on the verse [Deuteronomy 15:10], "'Because of (biglal) this thing': a wheel (galgal) revolves in the world," as Rabbi Hiyya said to his daughter 'Be quick to give bread to the poor, so that he will do the same for your child'; she replied, "[Why do] you curse me!" He said, "a wheel revolves in the world." Therefore, any tzedakah or loans will be repaid over the course of generations. And therefore, the poor person is not the unique beneficiary of tzedakah or loans [he receives], because they are [given] in return in [other] generations. Against the claim that the poor [recipient] should feel badly because [even so] the loan will only be paid back several generations hence, it should be said, "Who can say who is the [real] benefactor?? Perhaps the ancestors of the poor person gave tzedakah or a loan to the ancestors of the rich person, and now the thing has come around [gulgal hadavar] so that his [the poor person's] ancestors are being repaid." This is the sense of the verse [Exodus 22:24] "the poor person who is with you," which is why "do not be as a lender" making him feel badly, like a servant to the one who lends to him. [translation by Mechon Hadar]