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Using the Moral Obligation to Repay debt to justify Unforgiveness is the Insidiousness of Debt

The world is full of self-love. That's right. Self-love. It is all about loving oneself, and all about one's rights and liberty, in the eyes of the world. The world in being apparently 'moral', by agreeing with the Moral Law of God against murder and theft, is being 'moral', only out of its own self-love. That is exactly what there is none righteous, nor good no not one (Romans 3:10-12). Agreeing that it is wrong to murder, steal or not repay debts does not make one righteous or good at all. It is only selfless love that makes one righteous and good in the eyes of God, who alone is the standard of righteousness, for love is the fulfillment of the Law (Romans 13:10; Galatians 5:14).

Those who claim that one must surely repay one's debts are right about that point. The Bible makes it clear that the wicked borrow and do not repay (Psalm 37:21). However, to merely insist that is to asset a half-truth, and a very dangerous one indeed. It is to fail to take the full counsel of God as the Bible commands (Acts 20:27). To remain silent about the rest of the truth to this issue, when knowing of it, is to be deceitful. It it to be complicit in the murder of souls, by remaining silent about the truth, leaving people with only a half-truth. That is precisely what satan does, who the Lord Jesus Christ called the father of lies and murderer from the beginning (John 8:44).

Satan does speak truth, distorts it so subtly, by a whole myriad of ways. One of satan's ways, is to cause people who fully understand a Bible verse to misapply it, by placing emphasis on it at the expense of other commands of the Bible that speak on the same issue. That is exactly what satan has done regarding Psalm 37:21 which teaches that the wicked borrow and do not repay.

It is absolutely true that the wicked borrow and do not repay. However, it does not mean that those to whom debts are owed, the creditors are entitled to seek the repayment of debts because it is their "rights", or that their money is "theirs". Rather, debts are to be repaid because failing to repay one's debt is break one's promise, which is sin in the eyes of God (Deuteronomy 23:23; Matthew 5:33-37). 

No human has "rights" at all in the true sense, including creditors to seek what is due to "them". For, all things are created by God for God (Colossians 1:16). Right and wrong are defined by God, and God alone. It is defined Sin, therefore, is against God, not humans. Psalm 51:5 says: "Against thee, thee only, have I sinned, and done this evil in thy sight: that thou mightest be justified when thou speakest, and be clear when thou judgest." Sin is not against humans. If a person steals your wallet, for example, he has not sinned against you, as most of you would think, but God. To claim that sin is against humans, including yourself is to claim that you define right and wrong, as opposed to God. You are an enemy of God if you think that, for you love yourself if you think you define right and wrong, even if you think that to the slightest bit. 

The creditor is not entitled to receive the debts owed to him as any human would think, as he loves to justify himself. He thinks that because he is thinking about what if he is owed money by others. He wants it back out of his self-love, not selfless love. That is exactly what the problem is with thinking that the creditor is entitled on his part to receive the debts owed to him. It is to claim that the money he lent is his, when it is God's money, given to him to use as a steward, not as an owner. No person owns any money that he has. Rather, the money or possessions he has belongs to God, regardless of how much or little he has. He is steward of that money or possession, not owner. The earth is the LORD'S, and the fulness thereof; the world, and they that dwell therein (Psalm 24:1).

Rather, the debtor is morally obliged to repay the creditor, because to not repay one's debt is itself selfish use of possessions and money,  and the breaking of one's promise. It is not because the money or possessions the creditor lent is his own for all things belong to God, not any human being whatsoever (Psalm 24:1). 

Since it is all so appealing to the flesh to believe that one is entitled to what one wants, and its wants are all self-centred of self-love, many people including many Christians have been deceived into thinking that the reason one must repay one's debts is because it is owed to the creditor. No! Debts are to repaid because it is selfish use of money and possessions to indulge in indebtedness, and to break one's promise. Debts are owed to God for He is the one who is the owner of all things, not the human creditor. 

To even think that debts are owed to the human creditor is to pervert the Moral Law of God requiring repayment of one's debts into one that justifies the creditor who desires his money back which is itself a manifestation of the selfishness and self-love of the flesh. To want "his'"money back is itself sin for it is to think that it is his, when it belongs to God. He is a mere steward. 

It is this desire which thrives on unforgiveness of those who cannot repay their debts, and also those who do not repay. As a result, the moral obligation to repay one's debts has been twisted to justify such unforgiveness in the lending of money. Such is the legalism of the human heart which unforgiveness and insistence on what is owed to it morally has led to all kinds of fights, divisions, hatred, bitterness, wars and conflict. This is the insidiousness of debt.


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