"And seeing besides that your luggage was heavy and your white horse a good goer — a man's heart is never satisfied — so we came out again to head you off."

人心不足 — a man's heart is never satisfied. Another proverb, and the robbers use it about themselves, as an explanation rather than an excuse. They had just robbed the richest house in the county and it was not enough. 行李沉重 — the luggage was heavy. Their reasoning was the same as the Kou son's and the same as their own the day before: visible wealth invites the attempt. Everybody in this chapter reasons correctly from appearances.

"How were we to know your honour had such divine power and magic? You have us pinned. We beg your honour's mercy: take away the goods we stole, and spare our lives."

豈知 — how were we to know. There is no resentment in it, only surprise at the odds. 收去那劫的財物 — take away the goods we stole. The robbers are handing the Kou family's property to the four men a sworn complaint currently names as its thieves. Nobody on the road knows that yet. It is the pivot of the chapter, and the robbers themselves propose it, as a way of saving their necks.

Tripitaka, hearing that the goods came from the Kou house, was suddenly startled and stood up in alarm. "Wukong! Old Squire Kou is so very fond of doing good — how did he come to bring down a disaster like this?"

猛然吃了一驚 — was suddenly startled, took a fright. The book has kept Tripitaka silent through the whole interrogation and gives him this line the instant the name is spoken. 十分好善 — so very fond of doing good. This is the question the chapter exists to ask, and Tripitaka asks it in eight characters: why does a good man come to this? The chapter's own title has already answered — gold repaying the lay protector, and demonic misfortune — but nobody inside the story has read the title.