Franklin advises particular caution when dealing with matters people regard as highly sensitive. Religion concerns deeply held beliefs, while a person’s “credit” refers to reputation, trustworthiness or social standing. The reference to the eyes adds a physical example: just as the eyes are easily injured, beliefs and reputation can be especially vulnerable to careless interference.

The saying does not imply that religion or reputation should never be questioned. Its broader point is about prudence in how sensitive matters are approached. An accusation, insult or dismissive challenge may cause disproportionate harm or provoke strong resistance, even when discussion is justified. Franklin therefore presents tact as a form of practical wisdom: understanding what people value or protect closely can help a person speak and act with appropriate care.