The sefer Melo Haomer offers a profound insight. Chazal teach, אֵין בַּעַל הָרַחֲמִים נוֹגֵעַ בַּנְּפָשׁוֹת תְּחִלָּה – the Merciful One does not afflict people directly at first; rather, afflictions begin with their material possessions (Vayikra Rabba 17:4). If the lesson is taken to heart, it stops there. We see this pattern in the Torah as well, with tzara’at (a spiritual affliction), which first affects a person’s house, then their clothing, and finally their body. Interestingly, the order appears reversed in how it’s presented to Moshe Rabbeinu and Bnei Yisrael, where the body is listed first. This reversed order serves as a warning. A similar pattern is evident with Pharaoh – his first warning referenced the death of his firstborn, yet the plagues initially impacted material possessions, and only at the end did death occur. The warnings refer to the ultimate consequence, while implementation progresses gradually.
With this in mind, an obvious question arises: why, in our Parsha, did the punishment come directly to their bodies and lives? Why weren’t they first punished materially or financially before a flood came and wiped them out? Melo Haomer offers a simple yet brilliant answer. Financial punishment only impacts a person when it’s their own money at stake. But when the money is stolen, the punishment does not affect them. If David steals a million dollars from Yaacov, and that million goes up in flames, David isn’t punished; he doesn’t feel a thing. For him, it’s simply “easy come, easy go.” In the same way, the generation of the flood held stolen possessions that didn’t belong to them, so no material punishment would have been felt, and no lesson would have been learned.