Wait outside, and they will bring out the item you have agreed on.
They sleep naked in the cold, because they have no cover,
When you lend money to people, you are allowed to keep something of theirs as a guarantee that the money will be paid back. But you must not go into their house to get it.
Suppose someone is so poor that a coat is the only thing that can be offered as a guarantee on a loan. Don't keep the coat overnight.