Answer
The scriptures explain that when a person accumulates wealth without using it in Krishna's service, that wealth becomes difficult to protect.
In the material world, accumulated wealth naturally attracts the attention of others. Many people may begin thinking about how they can obtain it for themselves. Sometimes, even one's own relatives, upon learning about such wealth, may try to acquire it under one pretext or another.
Therefore, the scriptures advise that instead of simply hoarding wealth and trying to safeguard it, one should engage it in Krishna's service.
There is no guarantee that accumulated wealth will remain with us indefinitely, nor is there any certainty that we will be able to use it properly in the future. The best use of wealth is to employ it in devotional service and for the propagation of Krishna consciousness.
The Srimad-Bhagavatam further explains that unused accumulated wealth attracts the influence of Kali-purusha, the personification of the age of Kali, who promotes irreligion.
As a result, a person who hoards wealth without using it in Krishna's service may gradually become influenced by irreligious tendencies, engage in sinful activities, and ultimately bring about their own spiritual and moral downfall.
For this reason, the scriptures repeatedly recommend that wealth should not simply be accumulated and preserved for its own sake. Rather, it should be engaged in Krishna's service.
This is the best and safest use of one's wealth, and it is the conclusion emphasized not only in the Srimad-Bhagavatam but also in other scriptures, including Bhaja Govindam.
