अतुष्टिरर्थोपचयैर्वैश्यप्रकृतयस्त्विमा: ॥ १८ ॥
vaiśya-prakṛtayas tv imāḥ
āstikyam — faith in Vedic civilization; dāna-niṣṭhā — dedicated to charity; ca — also; adambhaḥ — being without hypocrisy; brahma-sevanam — service to the brāhmaṇas; atuṣṭiḥ — remaining dissatisfied; artha — of money; upacayaiḥ — by the accumulation; vaiśya — of the vaiśyas; prakṛtayaḥ — the natural qualities; tu — indeed; imāḥ — these.
Faith in Vedic civilization, dedication to charity, freedom from hypocrisy, service to the brāhmaṇas and perpetually desiring to accumulate more money are the natural qualities of the vaiśyas.
Atuṣṭir arthopacayaiḥ indicates that a vaiśya is never satisfied with any amount of wealth and always wants to accumulate more. On the other hand, he is dāna-niṣṭha, or dedicated to charitable work; brahmasevī, always engaged in assisting the brāhmaṇas; and adambha, free from hypocrisy. This is due to āstikyam, or complete faith in the Vedic way of life, and confidence that one will be rewarded or punished in the next life for one’s present activities. The fervent desire of the vaiśyas to accumulate wealth is not the same as ordinary material greed, because it is purified and tempered by the superior qualities mentioned in this verse.