Whenever we have excess, giving should be our natural response. It should be the automatic decision, the obvious thing to do in light of Scripture and human need.
If I try to make only enough money for my family' immediate needs, it may violate Scripture. ...Even though earning just enough to meet the needs of my family may seem non materialistic, it's actually selfish when I could earn enough to care for others as well.
From beginning to end, Scripture repeatedly emphasizes God's ownership of everything: "To the Lord your God belong the heavens, even the highest heavens, the earth and everything in it" .When I grasp that I'm a steward, not an owner, it totally changes my perspective.
Materialism is a fruitless attempt to find meaning outside of God. When we try to find ultimate fulfillment in a person other than Christ or a place other than heaven, we become idolaters. According to Scripture, materialism is not only evil; it is tragic and pathetic.
Hudson Taylor and Charles Spurgeon believed that Romans prohibits debt altogether. However, if going into debt is always sin, it's difficult to understand why Scripture gives guidelines about lending and even encourages lending under certain circumstances. Proverbs says "the borrower is servant to the lender." It doesn't absolutely forbid debt, but it's certainly a strong warning.
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