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מתני׳ אין פודין את השבויין יתר על כדי דמיהן מפני תיקון העולם ואין מבריחין את השבויין מפני תיקון העולם רשב"ג אומר מפני תקנת השבויין: גמ׳ איבעיא להו האי מפני תיקון העולם משום דוחקא דצבורא הוא או דילמא משום דלא לגרבו ולייתו טפי
MISHNA: The captives are not redeemed for more than their actual monetary value, for the betterment of the world; and one may not aid the captives in their attempt to escape from their captors for the betterment of the world, so that kidnappers will not be more restrictive with their captives to prevent them from escaping. Rabban Shimon ben Gamliel says: For the betterment of the captives, so that kidnappers will not avenge the escape of the captives by treating other captives with cruelty. GEMARA: A dilemma was raised before the Sages: With regard to this expression: For the betterment of the world, is it due to the financial pressure of the community? Is the concern that the increase in price will lead to the community assuming financial pressures it will not be able to manage? Or perhaps it is because the result of this will be that they will not seize and bring additional captives, as they will see that it is not worthwhile for them to take Jews captive?

(יב) אֵין פּוֹדִין אֶת הַשְּׁבוּיִים בְּיֶתֶר עַל דְּמֵיהֶן מִפְּנֵי תִּקּוּן הָעוֹלָם. שֶׁלֹּא יִהְיוּ הָאוֹיְבִים רוֹדְפִין אַחֲרֵיהֶם לִשְׁבּוֹתָם. וְאֵין מַבְרִיחִין אֶת הַשְּׁבוּיִים מִפְּנֵי תִּקּוּן הָעוֹלָם שֶׁלֹּא יִהְיוּ הָאוֹיְבִים מַכְבִּידִין עֲלֵיהֶן אֶת הָעל וּמַרְבִּים בִּשְׁמִירָתָן:

(12) They may not redeem the captives for more than their worth for the sake of civilization, so that the enemies will not pursue after them to enslave them [once they find out they are will to pay anything]. And they do not try to make the captives escape for the sake of civilization, so that the enemies will not increase the weight of their yoke and add more guards.

מתני׳ ואין לוקחין ספרים תפילין ומזוזות מן העובדי כוכבים יותר על כדי דמיהן
MISHNA: And Torah scrolls, phylacteries, or mezuzot are not purchased from the gentiles when they acquire these objects, if they request more than their actual monetary value,
ת"ש דלוי בר דרגא פרקא לברתיה בתליסר אלפי דינרי זהב אמר אביי ומאן לימא לן דברצון חכמים עבד דילמא שלא ברצון חכמים עבד:
The Gemara suggests: Come and hear an answer based on the fact that Levi bar Darga redeemed his daughter who was taken captive with thirteen thousand gold dinars. This indicates that private citizens may pay excessive sums to redeem a captive if they so choose. Therefore, it must be that the reason for the ordinance was to avoid an excessive burden being placed upon the community. If the ordinance was instituted to remove the incentive for kidnappers to capture Jews, a private citizen would also not be permitted to pay an excessive sum. Abaye said: And who told us that he acted in accordance with the wishes of the Sages? Perhaps he acted against the wishes of the Sages, and this anecdote cannot serve as a proof.

(ד) אין פודין השבויים יותר מכדי דמיהם מפני תיקון העולם שלא יהיו האויבים מוסרים עצמם עליהם לשבותם אבל אדם יכול לפדות את עצמו בכל מה שירצה וכן לת"ח או אפי' אינו ת"ח אלא שהוא תלמיד חריף ואפשר שיהיה אדם גדול פודים אותו בדמים מרובים (ואם אשתו כאחר דמי או לא עיין בטור אבן העזר סי' ע"ח):

(4) Captives are not to be ransomed at an unreasonable cost, for the safety of society; otherwise, the enemies would exert every effort to capture victims. But a man may ransom himself at any price. So also, a scholar should be ransomed at a greater price, or even a student who gives promise of becoming a great scholar. (As to whether one's wife is considered "another" or "one's self," see Eben Ha-Ezer, 78.)

Responsa Chasam Sofer, Choshen Mishpat ~177 (end)
".... indeed, the opinion of Rabbenu Nissim regarding the Talmud says that redemption may not exceed the normal value lest it be a burden on the community. However,, that would refer to the person who paid the ransom. They will become a burden on the community and fully need communal support. Thus they don't need to expend all their funds to redeem the captive. However, the community as a whole, indeed, shall redeem even at a greater cost, in order to prevent more communal damage."