“With the ram of the asham” — might one think that just as the ram and the principal block kapparah if missing, so too the fifth blocks? Scripture says “with the ram of the asham and it shall be forgiven him.”
In the sugya: Only the principal restitution and the ram are indispensable for kapparah. The fifth, while obligatory, does not prevent atonement if it remains unpaid.
Type of Learning
Miyut — only the ram and the principal are me’akev; the fifth is not.
What Is Learned
One may still achieve atonement if the chomesh is unpaid, provided principal and ram are complete. The fifth remains a debt, but it does not block the kapparah that is effected by the principal restitution and the asham ram.