MOSES IN THE WILDERNESS by Larry Norman -
The last Line - "Never Borrow Money Needlessly" he took from a radio advert for HFC (Household Finance) which he had heard many times.
Larry wrote the song when he was a kid and couldn't understand why Moses didn't just take out a home loan from HFC (the Household Finance Company) instead of wandering around the desert for 40 years.
Here's the jingle Larry heard a million times while growing up:
https://www.youtube.com/watch?v=z2CTbkvngow