And he looked up, and saw the rich men casting their gifts into the treasury. And he saw also a certain poor widow casting in thither two mites. And he said, Of a truth I say unto you, that this poor widow hath cast in more than they all: For all these have of their abundance cast in unto the offerings of God: but she of her penury hath cast in all the living that she had.
(Luk 21:1-4)
I wonder how alarmed this woman would be if she were able to perform an audit on individuals' finances in the Church today. I don't wonder because we don't give enough, but rather because we give other people's money and call it giving, or 'tithing'. The issue of "giving" has come up a lot lately and I am convinced the seeds of prosperity gospel teaching have become well-germinated in the Church in many subtle ways. I am further convinced that the error is because we fail to see that God views man in terms of finances as one of a steward, not as a resource; or, stated more succinctly, He doesn't need your money - He uses money to train us (Luke 16,Matt 25).
While most would agree with this philosophically (after all, He is God, right?), most organizations and even local churches today mix in what they consider to be a "pragmatic" approach to giving. That is, while it is true that God doesn't need your money, WE do so you should give it to us to get God's "blessings". My post here will not dig into the false teaching of "tithing" so many leaders continue to hurl at Christian ears since that deserves its own posting. Here I am more concerned with this view that the act of giving somehow supercedes God's commandments about how we handle our money or that He even "blesses" people with money who have acted irresponsibly with their finances.
Would you give money to someone who buys their food at 17.25% interest on their third credit card and considers getting a big screen television because it is on sale while their home electricity is being threatened with disconnection by the utility company? If this doesn't sound ludicrous to you then you wouldn't understand this blog post. If it does sound ludicrous, can you help me understand why would we teach people that God intends His children to live according to this madness and tell them He actually will provide for it by giving them more?
Debt and its indication of disobedience and bondage is not my focus here. The fact is, most people in this country carry some form of consumer debt whether it is credit card debt, student loans, car loans, or any other debt on a liability - they are losing money every day. If you owe money and are unable to pay it, the money you have is simply not your own - it is the lender's (Prov 22:7). Every cent spent apart from paying off that debt only lengthens the debt and compounds the interest accrued on it. Failure to heed this and continuing to deepen the debt without lifestyle adjustment is a sickness, similar to the man with emphysema pulling off his oxygen mask to have a smoke. The sickness in the Bible is called by various terms: "covetousness", "idolatry", etc.
When finances are dealt with in most church teaching, "faith" is introduced as some kind of Get Out Of Jail Free card. Rather than teaching that our willingness to postpone some purchase because of a lack of resources is an evidence of our faith, we teach that God will give us some money back if we give it to <insert Christian organization here>. Rather than teaching that faith eats Ramen noodles and drinks water while riding bicycles, we teach that faith is believing God will sustain our obesity and SUV's because we throw a five-spot at some charity. Rather than teaching that the "cheerful heart" God wants us to give from is only accessible from a life of freedom, we exhort people to imitate cheerful giving while they sink in the pit of bondage evidenced by debt. In short, "faith" in the common application toward mammon is seen as an acceptable usurper of moral responsibility. This is indeed a "faith" but the faith of palm readers and psychics, not the God of Israel who is conforming His children to the image of His Son.
Clearly stated, a Christian simply should not be "giving" until he (not his bank) has something to give. No Christian is unable to give that has acted responsibly with his or her finances. And even if he or she couldn't give the verse above teaches us Christ is far more interested in the desire of the heart (to give). A Christian giving money who refuses to allow God to govern his finances is just no different than the mafia guy praying for forgiveness for killing a guy but has no intention of changing his ways. It's the same rotten religiosity no matter which way I look at it.
The typical response to the proposition that a Christian should hold off on "giving" until they have paid off debts which are holding them in bondage typically invokes the response you'd expect: "Yeah, but then a lot of ministries would cease to exist". Apart from the humanistic confidence this conclusion exudes, I hope you see the underlying (flawed) premise in this conclusion: God sees man as a vital financial resource generator, not as a steward. Also, we are potentially stating that God finds slavery of His children suitable for the advancement of His "ministry" objectives. How? Debt is always revealed as slavery in the Bible. People don't go into debt because they give too much, they go into debt because they overspend, plain and simple. God is far more interested in changing the mind that tolerates slavery to things like cars, degrees, televisions, etc. than He is with the measly $100 being tossed in the coffers.
Finally, consider this - if God really intends Christians to continue their giving while being enslaved to consumer debt why not exhort the congregation to give much more than they can handle? Why not be asking for the entire limit on their credit card? This might sound overstated, but after thinking about this for a long time I can see no difference. You might as well give lots if you are holding to the belief that you can give with money that is not your own. If you are thinking "well, that is extreme. I want to get out debt someday but can't for a while; I can stop giving until then." Why not? Wouldn't it be wiser to pursue ridding yourself of the slavery and set aside all the money you saved on the interest so you can give more later on? It makes both spiritual and mathematical cents <grin>.
So how does all this play out in the "real world"?
First, debt happens. You are not "evil" or "unclean" because you have some debt you cannot pay, but you are enslaved. But you are enslaved with the God of the Universe interested in your liberation ! Rather than trusting Him to give you a bit to keep giving, trust Him to get you out of the slavery and free up your resources. He will do this first by causing you to agree with Him about the pitfalls of living beyond your means (if that is the situation that got you there) and also providing a way to free you from it. He has done this in my life and He will in yours.
Second, if there is some financial situation that is simply binding you from being able to give anything away be very wary of compulsion which is anything other than the Holy Spirit's unction. If the Lord would have you give "all the living that you have" as the widow above did, then do it. If you are giving just because of some social pressure or habitual sense of duty then STOP - that stuff is self righteous and repugnant. Consider that the reason you have little is because God is seeing how you as a steward will do and He is more interested in your character and mind set toward money than He is in your money. The mantra "faithful in little, faithful in much" is an inescapable truth.
Third, if you feel you must teach about giving be sure to first teach about God's view of how men should handle their money to begin with. The lust that gets people into trouble financially is sin. We do people a disservice when we allow them to steep in that sinful mind set. This is especially true if we are actually suggesting they have liberty to demonstrate godly behavior while continuing in their sinful ways. We are essentially causing them to sidestep their sin and I really wonder how interested we are in the spiritual well-being of our listeners if we can entertain that.