About 10 pages into the book, Santiago says, "...I try not to borrow. First you borrow. Then you beg." He believes that borrowing will likely lead to difficulty when it is time to pay back.
Let me complete the sentence first of all.'First you borrow,then you beg'.This is between Santiago and the boy.He interpretes that when a man borrows money or things though he does not earn or whenever the old man goes on fishing,he catches nothing.So from where he will bring money and return the debt.
So one becomes penniless and all resources of earning are chained,
then he comes into great trouble and for that in such tense he will
not consider begging as sin.He will be ready to beg for facing the debt.