There has been much written about threats to the United
States. When I was a boy, the Soviet Union and the communist threat there
was thought to be the biggest danger to life as we know it. Now, some are
more worried about China, but from an economic standpoint, it seems that many
believe that there are horrible things waiting for the United States as it
hurries down a path leading to “Socialism.”
Inherent in all of these discussions is the
basic belief that Capitalism and the Free-Market Economy are Biblical.
Any country that strays too far off of this path of rectitude is headed for
disaster.
I like capitalism. I don't like paying high
levels of taxes which seem inherently a part of instituting socialism, but that
says more about me than what the Bible says about what sort of economic theory
should influence how churches function in society.
I wonder if people who feel strongest about
capitalism understand what the economy was like in Bible times and what God
commanded for the state of Israel.
People
Didn’t Have Money in Ancient Israel
It
may be surprising to some, but the first coins weren’t minted until around 600
years before the time of Christ. Those coins were made in the Kingdom of
Lydia in what is modern day Turkey.
Prior
to that time, when people paid for something in silver or gold, they did so
based on the weight of the silver or gold. So, a silver shekel was a lump
of silver weighing around 9.6 grams.
The
common people who lived in ancient Palestine were very poor. They didn’t
have lumps of silver lying around and so most business was done via
bartering. Crops, produce, and livestock were the “money” of the
day.
Even
the wealthy farmers did not have an overabundance of silver and gold and since
the Palestine area is prone to droughts, it was not unusual to have years where
the land simply didn’t produce. Stories like the one in the beginning of
the book of Ruth, tell of a farmer who had to emigrate, simply for the
possibility that he could support his family better in Moab, where it was
rumored that there was a little more rainfall.
With
this in mind, it is hard to compare Israel in the times of Joshua or even King
David to our modern economies. It was probably more like rural Africa,
than the modern United States. More than that, the people were asked to
do things by God, not because they were wealthy, but because they were His
people and wanted to serve Him. When they gave, it was not out of
abundance, but out of need, with hearts of love.
Tithing
was Required
In
the Old Testament times all the people were to tithe from what their crops
produced. While we think of a tithe as being ten percent, the Israelites
were expected to give a little more than 20 percent of their income.
These
tithes went to support the Levites, to provide a social net for the poor, and
to help with the yearly feasts.
As
mentioned before, most of the Jewish people were quite poor by today’s
standards. They were scratching out a living, from their
land.
Lest
we think that they had no taxes, their rulers also expected them pay a chunk of
their income in taxes to the crown – and often there was a foreign kingdom,
like Assyria, Babylon, or Persia, that also required tribute.
The
Israelites weren’t always faithful with paying these tithes, but God stated
firmly that tithing was important
to Him and that judgment would come for those who did not pay them (Mal
3:8,9).
The
Jews had Slaves
Slavery
was codified in the Old Testament law. It seems, based on these laws,
that servanthood typically happened when Israelites became poor enough that
they were unable to pay their debts. We probably can’t imagine it, as
today people just declare bankruptcy, but there was no other path for the
ancient Jews to be free of their debts.
Once
again, this is very different from modern societies. As mandated by Old
Testament laws, slaves needed to be given the Sabbath Day as a day of rest and
if a slave was harmed in a significant way, he was to be granted his
freedom. More than this, slavery was to be temporary – lasting only six
years at the end of which time, not only was the slave to be freed, but the
master was to give the slave resources to help him have a new start again
(Deuteronomy 15:13-14).
This
was very different from the type of slavery practiced in the rest of the world
at that time. It also seems that the Israelites did not obey these laws
very well and this (among other things) was a reason for the Babylonian
Captivity (Jeremiah 34:8-24).
By
bringing this up, I do not mean to say that I think either that slavery is good
or that was beneficial. I simply want us to understand a little bit of how
their economy was supposed to function.
Jews
Weren’t to Charge Interest
The
Old Testament law was very clear regarding the charging of interest. The
Jews weren’t to charge interest on any loans to other Jews (they could charge
on loans to non-Jewish people). Exodus, Leviticus, and Deuteronomy all
had specific rules against charging interest and even rules about what assets
could be used to secure loans.
The
Prophet Ezekiel spoke of charging interest as an “abomination” and something
that was worthy of death (Ezekiel 18:13).
Part
of the issue was that most Jews took out loans due to their poverty and lacked
the resources to survive without such a loan. This loan might be the last
step before having to sell one’s self or one’s family into slavery. The
Israelites were not to take advantage of such a person. They were to loan
money to help such a person, not to push them into bankruptcy (slavery).
It
wasn't that people hadn't figured out the concept of interest in ancient
economies. Most ancient societies did charge interest – usually 15 or 20
percent. The fact that the Jews did not charge interest meant that God
wanted something different for the people that was called by His name.
Certainly,
our society would look pretty different if interest wasn’t charged or if it was
capped at certain levels.
Debts
Were Temporary
Under
the Deuteronomic Law, debts were to be cancelled at the end of seven years.
(Deut. 15:1-3) Once again, this allowed the poor to achieve a “reset” of
sorts. It wasn’t that at the end of seven years they suddenly became wealthy,
but at least they no longer had debts hanging over their heads and they would
get their freedom back, if they were forced to sell themselves into
slavery.
I
find this interesting, in light of current discussions about college
debt. Many seem to think that “you borrowed it, you pay it” is the policy
that is in order and of course, in a capitalistic society, barring bankruptcy,
that is what happens. Maybe God did not see this as the ideal situation
for His chosen people. Maybe, He saw true capitalism as having too much
potential for oppressing the poor.
Changes
in the Early Church
Jesus
came long after the Jewish Kingdom had been conquered. Except for a brief
time, during the Hasmonean period, a long list of foreign rulers dominated
Jewish politics. Jesus still had much to say about finances.
In
Matthew 5:42, He told His disciples to give to the needy and not refuse those
who wished to borrow. Matthew 6:1-3 indicates that His followers should
give secretly, whenever possible and Luke 6:38 indicates that God’s rewards for
giving will be in proportion to the gift.
Regarding
amounts of tithing, it is no longer specified. Maybe it seems like ten
percent is a reasonable amount, but I Corinthians 16:2 says only that each is
to give as the Lord has prospered him.
On
the subject of accumulation of wealth, Jesus told a parable in Luke 12 of a man
who had an exceptionally good harvest and decided that he would save all his
money and retire. Jesus finished the parable saying that the man never
lived to see his retirement but received divine judgment. God told Him,
“Fool! This night your soul is required of you, and the things you have
prepared, whose will they be?” Jesus finished with this statement as a
way of explanation, “So is the one who lays up treasure for himself and is not
rich toward God.”
If
this wasn’t enough, when we read about the early church in the book of Acts, we
see a strong tendency towards communalism (not communism). People helped
each other in every way possible. Acts 2:44, 45 says that the early
church had “all things in common” and that “they sold their possessions and
goods and parted them to all men, as every man had need.”
This
brings us up to the present. We live in societies that have some mixture
of capitalism and socialism. Other than some small groups, Christians
aren’t interested in communalism. At least in North America, many of them
seem to be very much against communism and pro-capitalism.
The
real question is how Christians honor God within the society we find
ourselves. We won’t change the style of economy of our country, but we
should be able to serve God – wherever we happen to live.
Capitalism
Isn’t a God Thing
For
some reason, many Christians have gotten fixated on the idea that God blesses
in capitalistic societies and in none other. They are ardently against
socialism, welfare, and government supplied health care.
Nowhere
in the Bible does it say anything about capitalism. Clearly, as was
mentioned earlier, the Jewish theocracy wasn’t a capitalist society and
God didn’t intend it to be such.
I
would say that if we simply got rid of interest payments and had debt
forgiveness every seven years, our society would look quite different from the
way it does now.
I
will add that the reason why the government in many countries got involved with
taking care of poor people and providing healthcare is that the church wasn’t
fulfilling its mission. There are too many of us Christians who are good
at accumulating wealth (we have excellent work ethic and good stewardship
skills), but not much skill at using that wealth for caring for those in need
around us.
If
there is a New Testament economic theory, it would be love based
ministry.
Wealth
is not a Sign of Divine Favor
In
the Old Testament era, many times God revealed His blessing on
individuals. We see in the lives of Solomon and Job that God gave wealth
to men who served Him. On the other hand, the story of Job revealed that
the loss of wealth doesn’t always point to divine judgment on a sinful
life.
In
the New Testament, it seems that poverty among the Followers of Jesus was more
the rule than the exception. Jesus had no permanent dwelling place and
when it came time to pay the temple tax, it took a miraculous event to provide
the coin necessary for that tax.
“God
sends His rain on the just and on the unjust,” Jesus said in the Sermon on the
Mount. Quite simply, it is impossible to judge someone’s relationship
with God by the amount of money they have in the bank.
Capitalism
Can Be Dangerous
“Greed
is good,” so goes the mantra of a materialistic age. Many times,
capitalism allows Followers of Jesus to make a lot of money. They work
hard and rise in their companies due to their honesty and virtue. Just
like Joseph in Egypt, they become trusted, important parts of the businesses
they work in.
The
problems with capitalism are two-fold. First, focusing too much on work
is not healthy and could detract from a good relationship with God. If we
spend the majority of our time getting good at business, we will achieve that
goal, but maybe other parts of our lives will suffer. There are many
successful businessmen who are poor husbands and Christians.
Second,
wealth is apparently detrimental to being a Follower of Jesus. Jesus said
that it was harder for a a camel to go through the eye of a needle than for a
rich man to enter the Kingdom of God. Paul, in I Timothy 6:17-19 told
Timothy to warn his people that riches were dangerous and that wealthy people
need to focus themselves on using their wealth to help others.
Societies
where the government takes most of what people earn or where it is simply hard
for Christians to get ahead financially do not offer the same temptations that
our materialistic society does.
It
is wonderful to have opportunity. It is awful when that opportunity
distracts us from what our real goal is, glorifying God.
Applying
Biblical Principles
All
of this leaves us with a big question. How do we put these sorts of
things into practice in our lives and businesses? Should a Christian
businessman charge interest? Should he forgive loans where people can’t
pay?
There
are not easy answers to these questions. For much of church history, it
was illegal to charge interest on loans given to other Christians. The
First Council of Nicaea (AD 325) forbade clergy from collecting interest on
loans. The Third Council of Lateran broadened this to say that no one who
charged interest on loans could receive sacraments or a Christian burial.
This remained the Catholic church’s official policy until the 16th
century.
I
have a hard time applying laws that come from the Old Testament theocracy to
our present day, but certainly the principles remain. The Apostles didn’t restate these laws against interest
and in favor of debt forgiveness, but then again, for the most part they were
writing letters to poor people who were more likely to be asking
for loans, than giving them to others.
There
are some very big principles that we can see in both the Old Covenant laws and
in the early church.
Love
is More Important than Wealth
Jesus
said that His followers would be known for one thing. It wasn’t their big
churches, their sharp business practices, their phenomenal work ethic, their
amazing potlucks, or even their praise and worship team. People would
know Christians by their love for one another (John 13:35).
It
appears this has been forgotten. There should not be members of Christian
churches who need to question where their next meal will come from. There
should not be Christian widows who wonder if they will have a place to live
this time next year.
James
says, “Pure religion and undefiled before God the Father is this, to visit the
fatherless and widows in their affliction, and to keep himself unspotted from
the world.”
That’s
it. Showing love to the needy and living a morally upright life is what
glorifies God. If we come to the end of our lives and have many material
things to pass on to our families, but we have not ministered to those in need
along the way, then we have missed out on our true calling.
No
One Should be Impoverished Because of Our Business Methods
We
can’t take responsibility for other people’s poor choices, but the way we do
business should not be forcing others into bankruptcy.
Perhaps
this starts with the way in which Christian employers treat their
workers. Figuring out what is an appropriate level of pay and benefits to
provide for workers is important. Obviously, funds are limited, and small
businesses have to be able to at least break even in order to survive but
seeing workers do well is more important than becoming wealthy.
More
than that, as businesses deal with customers, it seems that charging higher
rates of interest because that’s the market rate, or moving to foreclose on
someone who is struggling, but trying, is not a Christian way of dealing with
this. Honesty and mercy should be things that we are known for – not for
cutting the hardest deal around.
Government
Involvement Doesn’t Take Away Our Responsibility
In
many societies, the government offers a variety of services. These could
be things like subsidized health care or food assistance. There are still
many needs that the government doesn’t meet that Christians should help
meet.
Poor
people need help with transportation and getting healthy food. They often
grew up with poor role models and need men and women who are willing to step in
and take the time to be a mentor, teaching and modelling skills and behaviors
that will help them to improve both their lives and the lives of their
children. There are many other things that these individuals need that no
government agency can help with and Christians can try to meet these needs, as
well.
It
seems to me that many Christian people are good at giving money to Crisis
Pregnancy Centers but aren’t so good at giving their time and talents to make a
difference. We can do better.
Christians
Must Serve God in Any Economic System
I
like the (somewhat) capitalistic system that we have in the United States, but it is also
the only one that I have really known. I would argue that the US doesn't even have "true" capitalism, because the government taxes its citizens to fund roads, schools, and some degree of subsidy for the health care of older citizens and poor citizens.
Knowing what I know about human
nature, it doesn’t matter what economic system we live in, there will be
challenges when it comes to serving God within that system.
Maybe
the challenges will simply be the desire for material things and the conflict
that results when we need to decide if we will buy something for ourselves or
minister to the need of someone else. Maybe the challenge will be in our
need for personal security and the conflict that results when feel like we
don’t have enough money in the bank to really feel secure and yet, there are
needs around us.
In
a communistic society (there aren’t many true communistic economies left on
earth), there is a challenge of how to meet the needs of others when you simply
don’t have enough yourself. In such a scenario, you probably end up
giving time, abilities, and effort to others, because you don’t have anything
else to give.
What
is certain is that Satan will try to do whatever he can to keep Christians from
glorifying God and ministering to the needs of those around them. He will
get us to rationalize away reasons that we should help others and get us to be
self-focused and self-absorbed.
Some
things have changed since Old Testament times, but God’s expectations of His
people hasn’t changed. He sent them into captivity because of their
oppression of the poor and today, He tells us the same thing.
“What
doth the Lord require of thee, but to do justly, and to love mercy, and to walk
humbly with thy God?” (Micah 6:8)
I
pray that we could do better. That the church, as a whole and us as individuals within it, would act with justice, humility, and
mercy all our days. For that, is what the Lord requires of us.
And let it begin with me.