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It is wrong to take a set of millstones, or even just the upper millstone, as security for a loan, for the owner uses it to make a living.

If your neighbour is poor and gives you his cloak as security for a loan, do not keep the cloak overnight. Return the cloak to its owner by sunset so he can stay warm through the night and bless you, and the Lord your God will count you as righteous.

Never take advantage of poor and destitute laborers, whether they are fellow Israelites or foreigners living in your towns. You must pay them their wages each day before sunset because they are poor and are counting on it. If you don’t, they might cry out to the Lord against you, and it would be counted against you as sin.
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(Deuteronomy 24.6,12-15 NLT)

Do not profit from the poor or those in need because they are poor or in need. Be beneficent to them.

Do not take away their means for making a living.

Do not take away their means for keeping their health or safety.

Do not postpone what is due to them.

Will you become poor like them if you are beneficent to them? No?

Then be beneficent.