In the second sentence in this verse Allah Ta'alah has given two reasons for the punishment that will be mete out to those who consume Riba (interest), the first is that they consumed Hara'am (unlawful) in the form of Riba, and the second that they insisted that Riba was Halal. This second reason needs to be understood in more detail.
There are two main categories of sins. Allah Ta'alah has declared some sins to be minor (saghirah) which Allah Ta'alah says that He keeps forgiving whenever a person does any Sadaqah or act of virtue, which includes acts like removing some source of distress from people, for example, removing an obstacle or a harmful object from the walkways. Allah Ta'alah has declared some other sins to be major (kabirah) sins. Usually a person has to do repentance (Taubah) for major sins to be forgiven. In addition, if a person persists in doing minor sins in that rather these happening occasionally he indulges in them regularly without any remorse, this practice may turn these into major sins. And even more, if a person denies that these minor sins are in fact sins, and insists that he is doing the right thing, then this may lead to Kufr if he openly opposes Allah Ta'alah's commandments.
Hazrat Thanvi Rehmatullah Elaih has said that sometimes it happens that a person wants to do Taubah (repentance) from his previous sins but his earning is Hara'am, and if he immediately quits that employment he would be unable to provide sustenance for his family. In that case he should not quit that job immediately, but in his heart keep believing that what he is doing is wrong, keep asking Allah Ta'alah for forgiveness, and keep looking for sources of Halal income just like an unemployed person looks for a job. If he keeps doing all of these then InshaAllah (God willing) Allah Ta'alah will provide a Halal source of income for him and will forgive his sins.
The crux of all this detail is that while committing a sin is wrong in itself, not believing it to be a sin and insisting on it being the right thing to do, makes it into a much greater sin. If a person cannot quit a sin immediately, then at the minimum he should keep believing it to be a sin, he should keep feeling remorseful about it, and he should keep praying to Allah Ta'alah to change his circumstances so that he would be able to quit that sin. InshaAllah, Allah Ta'alah will both change his circumstances and grant his Maghfirah (deliverance).
There are two main categories of sins. Allah Ta'alah has declared some sins to be minor (saghirah) which Allah Ta'alah says that He keeps forgiving whenever a person does any Sadaqah or act of virtue, which includes acts like removing some source of distress from people, for example, removing an obstacle or a harmful object from the walkways. Allah Ta'alah has declared some other sins to be major (kabirah) sins. Usually a person has to do repentance (Taubah) for major sins to be forgiven. In addition, if a person persists in doing minor sins in that rather these happening occasionally he indulges in them regularly without any remorse, this practice may turn these into major sins. And even more, if a person denies that these minor sins are in fact sins, and insists that he is doing the right thing, then this may lead to Kufr if he openly opposes Allah Ta'alah's commandments.
Hazrat Thanvi Rehmatullah Elaih has said that sometimes it happens that a person wants to do Taubah (repentance) from his previous sins but his earning is Hara'am, and if he immediately quits that employment he would be unable to provide sustenance for his family. In that case he should not quit that job immediately, but in his heart keep believing that what he is doing is wrong, keep asking Allah Ta'alah for forgiveness, and keep looking for sources of Halal income just like an unemployed person looks for a job. If he keeps doing all of these then InshaAllah (God willing) Allah Ta'alah will provide a Halal source of income for him and will forgive his sins.
The crux of all this detail is that while committing a sin is wrong in itself, not believing it to be a sin and insisting on it being the right thing to do, makes it into a much greater sin. If a person cannot quit a sin immediately, then at the minimum he should keep believing it to be a sin, he should keep feeling remorseful about it, and he should keep praying to Allah Ta'alah to change his circumstances so that he would be able to quit that sin. InshaAllah, Allah Ta'alah will both change his circumstances and grant his Maghfirah (deliverance).
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