This concludes a chapter in the 1830 Book of Mormon and appears to represent a break in Benjamin’s speech. Benjamin has been speaking of the need for social equality, not in sameness, but in respect. Returning what was borrowed is part of that respect for others. Even though Benjamin had listed many things, he notes that he cannot describe them all. The point was to provide examples from which they could see the principles.
Benjamin had declared that the people could beg salvation of Jehovah, who was uniquely able to provide it. Qualifying for that grace required action on their part that showed that they were willing to keep their part of the covenant. If they would do so, they would have the promised blessings. If not, neither law nor mercy could apply, as was discussed in Mosiah 2:38–39.