Who does the scripture describe as having a 'ruined character' even if they are as rich as Kubera?

Chapter 17 presents a powerful example of how inner poverty can exist despite outer wealth. It describes a person who, even if they are as wealthy as Kubera, the Hindu god of wealth, still possesses a 'ruined character.' This individual is characterized by wandering with a beggar's attitude, full of miserliness. The text identifies the root cause of this condition as ignorance. It is a fundamental reversal of one's true nature, where the person has failed to discard the deluded ego-consciousness of 'me and you' and has not learned to look at their own true Self, thus remaining spiritually destitute.