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The Lord Instructs Śrīla Rūpa Gosvāmī
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commodations, and  jñānīs  want to be one with the Supreme.  Yogīs  desire material opulence,  yogic  perfections and magic. All of these are lusty ( kāmī ). Because they desire something, they cannot have peace.
The peace formula is given by Kṛṣṇa in  Bhagavad-gītā :
bhoktāraṁ yajña-tapasāṁ sarva-loka-maheśvaram suhṛdaṁ sarva-bhūtānāṁ jñātvā māṁ śāntim ṛcchati
If one can understand that the only supreme enjoyer is Kṛṣṇa, one will perform all kinds of sacrifices, penances and austerities in order to attain Kṛṣṇa's devotional service. Kṛṣṇa is the Supreme Being, the proprietor of all the material worlds; therefore throughout the entire universe He is the only enjoyer and beneficiary. He is the only friend who can actually do good to all living entities ( suhṛdaṁ sarva-bhūtānām ). If one understands Kṛṣṇa, he immediately becomes desireless ( niṣkāma ) because a  kṛṣṇa-bhakta  knows that his friend and protector in all respects is Kṛṣṇa, who is able to do anything for His devotee. Kṛṣṇa says,  kaunteya pratijānihi na me bhaktaḥ praṇaśyati : "O son of Kuntī, declare it boldly that My devotee never perishes." Since Kṛṣṇa gives this assurance, the devotee lives in Kṛṣṇa and has no desire for personal benefit. The background for the devotee is the all-good Himself. Why should the devotee aspire for something good for himself? His only business is to please the Supreme by rendering service as much as possible. A  kṛṣṇa-bhakta  has no desire for his own personal benefit. He is completely protected by the Supreme.  Avaśya rakṣibe kṛṣṇa viśvāsa pālana . Bhaktivinoda Thākura says that he is desireless because Kṛṣṇa will give him protection in all circumstances. It is not that he expects any assistance from Kṛṣṇa; he simply depends on Kṛṣṇa just as a child depends on his parents. The child does not know how to expect service from his parents, but he is always protected nevertheless. This is called  niṣkāma  (desirelessness).
Although  karmīs ,  jñānīs  and  yogīs  fulfill their desires by performing various activities, they are never satisfied. A  karmī  may work very hard to acquire a million dollars, but as soon as he gets a million dollars he desires another million. For the  karmīs , there is no end of desire. The more the  karmī  gets, the more he desires. The  jñānīs  cannot be desireless because their intelligence is unsound. They want to merge into the Brahman effulgence, but even though they may be raised to that platform, they cannot be satisfied there. There are many  jñānīs  or  sannyāsīs  who give up the world as false, but after taking  sannyāsa  they return to the world to engage in politics or philanthropy or to open schools and hospitals. This means that they could not attain the real Brahman ( brahma satyam ). They have to come down to the material platform to engage in philanthropic activity. Thus they again cultivate desires, and when these desires are exhausted, they desire something different. Therefore the  jñānī  cannot be  niṣkāma , desireless. Nor can the  yogīs  be