Every Bit Counts

“Then you shall again discern between the righteous and the wicked, between one who serves G-d and one who does not serve Him” (Malachi 3:18). The Gemara in Chagigah (9b) raises the following point: The verse seems to make two separate distinctions: Between the righteous and the wicked, and between one who serves Hashem and one who does not. Yet aren’t they really two ways of expressing the same idea?
The Gemara explains that both the one who serves Hashem and the one who doesn’t are purely righteous individuals. The one who serves Hashem reviews his learning 101 times, and the one who doesn’t serve Hashem is conferred that moniker for reviewing his learning only 100 times. Apparently, the Gemara is establishing that the optimal number of times to review the same piece of Torah learning is 101.
Rav Itzele Peterburger explains that obviously this individual referred to in the pasuk was capable of reviewing his learning 101 times but chose not to. Therefore he is given this derogatory title of “one who does not serve Hashem.”