Lakṣmī-Nārāyaṇa — Lord Viṣṇu and mother Lakṣmī — are always situated in everyone’s heart ( īśvaraḥ sarva-bhūtānāṁ hṛd-deśe ’rjuna tiṣṭhati ). However, because nondevotees do not realize that Lord Viṣṇu stays with His eternal consort, Lakṣmī, within the hearts of all living entities, they are not endowed with the opulence of Lord Viṣṇu. Unscrupulous men sometimes address a poor man as daridra-nārāyaṇa, or “poor Nārāyaṇa.” This is most unscientific. Lord Viṣṇu and Lakṣmī are always situated in everyone’s heart, but this does not mean that everyone is Nārāyaṇa, especially not those in poverty. This is a most abominable term to use in connection with Nārāyaṇa. Nārāyaṇa never becomes poor, and therefore He can never be called daridra-nārāyaṇa. Nārāyaṇa is certainly situated in everyone’s heart, but He is neither poor nor rich. Only unscrupulous persons who do not know the opulence of Nārāyaṇa try to afflict Him with poverty.