Thursday, 11 February 2016

Borrowing without Repaying is Sin, Without Exceptions

The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth (Psalm 37:21).

The Bible makes it very clear that it is sin to borrow and not repay. Psalm 37:21 makes it clear:
The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth. You may argue that it is an Old Testament verse. That a verse is found in the Old Testament does not mean it does not apply today. This verse describes the heart of a wicked person. It says that wicked borrow and do not repay. What this means is that if one borrows money, and does not repay, one sins. It concerns the heart itself, and therefore, this requirement to repay all money that one borrows is part of the Moral Law of God, not the Old Testament civil or ceremonial law. To repay all of one's debts is binding to all people today.


There is no such thing as an exception to sin, which makes it not sinful. For example, there is no exception to lying, or murder which renders such things to no longer be sin. They are concerning the heart, are manifestations of the wickedness of the human heart itself. As such, there can be no exception to sin. 

Likewise, borrowing money and not repaying is sin. There are no exceptions to not repaying one's debts, which is what one has borrowed from another. Regardless of one's ability to repay what one has borrowed, or one's circumstances, there is no excuse to not repay what one has borrowed. A person has an obligation to repay what he has borrowed, no matter how bankrupt or how penniless he may be because to not repay is to use resources selfishly, and to break a promise. 

Borrowing money and not repaying is itself theft. For it is to take from another what he has, while although belonging to God, and not the person, and use it selfishly for one's own gain. It is the illegitimate use of property in the eyes of God, for it is to seek for oneself what God has given another. Theft is simply to use what another has been given by God, for one's own gain.