15. This type of man is a time server, who stands on the boundary line between Islam and kufr so that he may join the winning side whether it be Islam or kufr.

16. As this type of man has a weak character and wavers between kufr and Islam he becomes the slave of his self. He accepts Islam for the sake of self interest. He is faithful to it if all his wishes are fulfilled and he has a life of ease and comfort, he is well-pleased with his Allah and is firm in his faith. On the contrary, if his faith demands some sacrifice from him, or he is visited by some affliction, or encounters some hardship and loss in the way of Allah, or he does not have his way, he begins to waver about the Godhead of Allah and the Prophethood of the Messenger and becomes skeptical about everything of the faith. Then he is ready to bow down before any power from which he expects some benefit and security from loss.

17. This is a great moral proposition that has been stated concisely. The fact is that the wavering man remains a loser in this world as well as in the next world, and fares worse even than an unbeliever. The unbeliever applies himself exclusively to the benefits of this world and becomes more or less successful in his object because he is not handicapped by the fear of Allah, accountability of the Hereafter and restrictions of divine law. Likewise, a true believer follows the way of Allah with fortitude and perseverance and may as well become successful in this world, but even if he loses it altogether, he is assured of success in the next world. But the wavering Muslim becomes a loser both in this world and in the next world because he is handicapped by doubt and indecision and cannot make his choice between the two worlds. As he cannot decide whether there is Allah and the Hereafter, he cannot apply himself exclusively to the worldly affairs with that single-mindedness which the unbeliever enjoys. And when he thinks of Allah and the Hereafter, the allurements of this world and the fear of the disadvantages here and the abhorrence of observing the divine restrictions do not let him apply himself exclusively to the demands of the Hereafter. This conflict between God worship and world worship makes him a loser in this world as well as in the next.

18. (Verses 12-13 )clarify two things about the deities whom the mushriks invoke. Firstly, they can do a person neither any good nor any harm. Nay, it is more probable that they do harm rather than good. For when the mushrik invokes other deities than Allah, he loses his faith forthwith. Secondly, the mushrik himself knows that there is no guarantee or probability of any good from his god who is utterly helpless and powerless. As regards to the occasional grant of his request through his god, this is done by Allah merely to test his faith.

19. That is, the one, who leads a person to the way of shirk is the worst guardian and the worst comrade, whether he be a human being or a satan.

20. “Those who believed and did righteous deeds” are quite different from the wavering Muslims, for they have a firm belief in Allah, His Prophet (peace be upon him) and the Hereafter. Therefore they follow the way of truth both in prosperity and in adversity.

21. That is, Allah's powers are unlimited. He may bestow anything on anyone He wills in this world or in the Hereafter or in both, and bar anything from anyone. None has the power to interfere with what He wills and does.