{Ye blind guides} (hod(8867)oi tuphloi). Note omission of
"Scribes and Pharisees, hypocrites" with this third woe. In
 15:14  Jesus had already called the Pharisees "blind guides"
(leaders). They split hairs about oaths, as Jesus had explained
in  5:33-37 , between the temple and the gold of the temple. {He
is a debtor} (opheilei). He owes his oath, is bound by his
oath. A.V., {is guilty}, is old English, obsolete sense of guilt
as fine or payment.