As long as you have no choice but to work in order to sustain a living, you will be unable to attain the stage of 'inspired action' or karma yoga. If your schedule is determined in advance by someone else and you have to adhere to it no matter whether you are inspired to do so or not, you are bound to it. If you have to 'work for money', or 'work to survive' or 'work to pay off debt' you cannot attain the state of karma yoga, which is a state of freedom and not slavery. If you can get 'money to work for you', you will be in a better position to perform only inspired actions and not motivated actions that bind.
An example of a character who was bound in such a manner is Dronacharya. In his desire for wealth, which was not even for its own sake, but just to avenge himself from Drupada, he took refuge in the kingdom of Hastinapura, and committed himself to act as the royal guru. By doing this, he took on debts from the king and the kingdom, which bound him to be loyal to the king, even when the king did not act according to the path of righteousness. Thus, he ended up fighting a war on the side of injustice. To kill such a person, who is fighting on the side of injustice while being aware of this (being a brahman well endowed in wisdom and knowledge) is the right thing to do, said Krishna, even if one uses unfair means to kill such a person.
A Guru deserves respect because he imparts knowledge, and a Brahmin is typically respected because he is assumed to be knowledgeable. However, a guru who imparts knowledge for purely selfish reasons does not deserve respect, although his expectations must be met. In Drona's case, he was imparting knowledge in return for the Guru Dakshina of half of Drupada's kingdom and revenge on Drupada. Arjuna met his expectations and in return, he attained knowledge of warfare. Beyond this, there was no obligation for Arjuna to be attached to his Guru Dronacharya. Hence Arjuna should have not hesitated to face him in battle or even kill him, if it was his duty to do so.
