Banking on God: Crisis, Part 5

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The picture of dark daysSo here we are a month later at the penultimate post in this series. Today, I’ll be expanding some of the general ideas I discussed yesterday, while adding practical ways we can address crises better as a body of believers.

In times of darkness, we must be Spirit-led, radical thinkers who take chances that flow against the status quo’s stream. Truth is, the status quo got us into many of the troubles we face as Americans, as no one wished to buck the system to make things better. Too often, though we say we love the rugged individualist, the strongest voices for godly change are the ones we shout down fervently. Remember: they stoned the prophets, but the prophets were right.

Here are a few ideas I believe we must seriously consider in our churches if we are to prevail and be a shining, countercultural light for Christ in dark times.

Healthcare is troubling issue because fewer and fewer people can afford it, yet none of us is immune to entropy. The early Church made its name in Rome by caring for the sick. Most of the world’s hospitals were founded by Christians. Yet Christian leaders today seem utterly flummoxed by the issue, preferring to ignore it even while their congregations suffer.

I had a taste of this Easter Sunday when one of the key members of my church’s worship team was laid out by a condition easily treated by a physician. The problem? He couldn’t afford to see the doctor and get the prescription medicine he needed that would have enabled him to join us!

For this reason, I believe that churches need to start stepping up to the healthcare plate. Many communities are home to retired doctors. No reason exists that a church (or a communion of churches) could not approach these retired doctors and offer to pay them a stipend to look after those people in the church who lack healthcare options. A retired doctor could see the sick on a Saturday for a few hours. House calls are even possible. This kind of thing is easily set up.

To be even more radical, why can’t a series of churches in a community band together with local politicians to have the entire community buy the services of an actively practicing doctor—or three or four? We pay for fire departments and police, why not community doctors? Keep it local by keeping the county and state out. That keeps if from becoming a big government initiative while continuing to benefit an entire community. With most office visits handleable by general practitioners, there’s no reason why this can’t work. Why then are we not pursuing it?

For funding such an idea, or any other benevolence fund, most of us, as I noted yesterday, could get by fine without 75 percent of what we own. The early Church divested itself of all sorts of extra goods, including houses, but we seem loathe to give up even the smallest thing. Just how stingy are we? Look at how many families are failing around us and see how the cultivation of our island (every family for itself) mentality has damaged even our church families.

We need to get some sense about how we spend our money. When we’re starving, we can’t eat an iPod.We spend millions on junk, yet what really lasts escapes us. God will judge our generosity some day. Are we feeding Christ by feeding the hungry or are we simply out to feed our own desires? Which one makes us sheep and which makes us goats?

We Christians will collectively spend umpteen millions of dollars each year on Christian conferences that we attend and then forget about a month later. Imagine what we could do if we channeled that money to worthy preparation and stopped our fixation with one religious high after another. Could we strategize new ways of living and fund those initiatives?

Take housing, for instance. A coalition of churches could buy older apartment buildings, rehab them, and offer housing to those who fall prey to bad times. We had a family in our church lose a home to fire just a couple weeks ago and another family offered the use of the home they just left. That’s one way to go. Or a couple churches working together could buy up foreclosed or auctioned properties and rehab them for families. Or they could work deals with families who are moving to donate their old homes. Heck, that’s even a tax writeoff! These are all readily workable ideas.

We need to re-explore Christian communities. I’ve written before that I believe it a wise thing for a group of Christian families to buy available land, build their houses together on that land, have a common meeting building, farm the land, and maintain some percentage of common purse for use when tough times hit. Or a couple families could build condo-type houses with common areas linking two homes. Or we could work to rent out apartments together in the same building. We are not limited here if we set aside our faulty ideals on what it means to be well-off!

Food is big issue, too. Dark times almost always mean less food. I was in the store today and was shocked at how prices continue to rise either outright or through what I like to call “packaging fraud.” (Your half gallon container of ice cream is now 1.75 quarts, or even 1.5 quarts. I noticed today that packs of cheese that were once half a pound are now six ounces. Same price, but no fanfare on the smaller size. I consider that fraud, frankly.)

How do we deal with the problem of food? We grow our own.

I catch a lot of flack from naysayers on this, but if we have a backyard and we’re not growing food on it, we’re wasting our property. We can’t keep relying on others to feed us. It’s time that we Christians started assuming leadership on the back to basics of growing and making our own food. No excuses here, either. If I, the world’s worst “black thumb,” can grow food in raised beds on my property, you can, too. I have a fruit orchard, also. No reason why you can’t, either. And it’s far cheaper to grow food ourselves and preserve it than it is to buy from big food conglomerates. Tastes better as well.

Every family in our churches should be growing food. End of story. And for those with bigger properties, goats, rabbits, chickens, turkeys, and cows can supply meat. (I’m exploring that for my family even now.) Those people who have more resources for food production can assists those with less. Folks, this is about survival.

As for other skills, your church directory should list not only the basics like a phone number and address, but the skills and talents of each person listed. Someone got car fixing skills? Time to use them to the bettering of everyone in the church. Who sews well? Who can teach others sewing? Who has legal training? We need to know this. Every ability should be noted and made open for use. People who can pay should. Those who can’t should try as best they can to, yet that inability to pay should not keep them from getting services from their brethren. People with plumbing skills should be fixing plumbing in the homes of people in the church. Same for electricians, accountants, and whatever other skill is needed. We need to start depending on each other and living up to real community, even if it hurts. Again, the days of our privacy are gone. The government already knows everything about you, so privacy is a myth anyway. Our churches need what we have to give, money, skills, and all. Time to pony it all up.

Jobs are a big issue. Those people in the congregation who can make hiring and firing decisions need to understand that they should be hiring their out-of-work brethren. For those people in our churches who can train others in worthwhile work, they need to do it now, not wait till bad times come. An out-of-work person in a church is everyone’s responsibility. You can tell how loving and godly a church is by how well they meet the needs of their weakest members. And nothing in our society renders people weaker than being out of work. If our churches are filled with out-of-work people, then we’re not living up to the high calling of Christ. Jobs training, networking leads, anything that works we should be exploring. Absolutely no excuses on this, either.

Churches need to be working with local businesses to ensure them that they can provide ethical employees. Our churches should be able to go to any local business and say that the people in that church will make the best employees because they are godly, moral, ethical people who will do a company right. If we can’t say that, then we fooling ourselves concerning our discipleship programs. Church leaders need to be able to make that promise and fulfill it. They should cultivate relationships with community business leaders that will ensure that, even in down times, their congregants will have work.

As you can see, this takes on an alternative economy kind of thinking after a while. Underground economies exist all over the planet, but we suburbanites do a lousy job of creating our own. We need to learn how to barter and exchange outside the system. One day, off the grid and outside the system may be our only means of surviving. We better start planning those means now.

Why aren’t we training our children to survive? For all our obsession with homeschooling, how many homeschoolers are teaching real survival skills like animal husbandry, power generation, farming, and the like? Knowing Latin won’t fill an empty stomach. Our kids need to know how to live like the pioneers of old if they are to live in the days to come. (We adults also need that wisdom, too, though I suspect too many of us spent our precious time learning how to play video games or memorizing sports stats and not enough learning how to sex chickens.) Who in our churches can teach the next generation how to do these things? We need to identify them. And if we can’t identify those people, then we need to drop all the other junk we’re doing and start teaching ourselves those skills.

Our churches need to learn what real persecution looks like, too. How is the Church persecuted in other countries? We need to know how those persecuted churches survive. What happens if we have our church building taken away? How do we keep meeting? How does an underground church work? Our church leaders should stop assuming that tomorrow will be all milk and honey and start finding ways to test-run persecution. Break your church up into house churches for a while and see where the pressure points and weaknesses are. Who are the leaders of the church? Who will run things if the pastor or elders get taken out? How are we training people to assume leadership roles? This is basic discipleship training! How are we living it out?

Do we have prayer meetings in our churches going on all the time? Why not? Dark times call for serious prayer. Why are all the old ladies filling our prayer meetings? Why are all the able-bodied men camped out watching sports? What a waste! Are we serious or not? I’ll tell you, we’ll be serious when we lose our houses or can’t put food on the table. But by then, it may be too late.

Bad days call for fasting and repentance. I read all sorts of headlines about the dire economy, but I hear no Christian leaders calling for repentance, fasting, and prayer because of it. Why not? How badly do we want to be caught unawares? I don’t wish to be and I don’t want my church to be, either. Are we serious people or are we dancing when we should be preparing for winter? Dance when the stockpile is in place, but not before.

I could go on and on here, but I think the time has come to wrap this up.

I ask again, How serious are we? When did we Christians get so “fluffy”? Tough times call for tough people and brave ideas with committed follow-through. Good times won’t always be here, yet we act like they’ll last forever. How foolish we are when we, of all people, know how things will end, yet we are not prepared for that Day!

In the next post, I’ll wrap up the “Banking on God” series. Stay tuned.

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Banking On God: Series Compendium

Banking on God: Crisis, Part 2

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The people will wander through the land, discouraged and hungry. In their hunger and their anger they will curse their king and their God. They may look up to the sky or stare at the ground, but they will see nothing but trouble and darkness, terrifying darkness into which they are being driven.
—Isaiah 8:21-22

The Lord’s Prayer is one of the most familiar passages of the Bible. As much as each of us has probably prayed it a thousand times over in the course of our lifetimes, one portion stands out in these times:

Give us this day our daily bread.

If you’re like me, you have no idea what it means to live that verse. Most of us have some sort of fallback position that prevents us from ever being in a condition to truly need “our daily bread.” We open our pantry and the food practically bulges out. The refrigerator can’t hold any more than what we’ve already packed in. Daily bread? What the heck does that mean?

And does it extend beyond food?

A few years ago, my wife and I were carrying a private insurance policy not paid for by an employer. It had a high deductible and was intended to get us through a period of unemployment. Bread line, soup line, unemployment line...During that time, I got a sinus infection and the doctor strongly recommended I get a series of X-rays taken to judge the severity of the infection. When I found out how much the X-rays would cost, I passed on them.

That was the first time in my life I wondered what it would be like to be poor and have to forgo medical care. In the years since that time, the reality of being unable to afford basic medical care hits home harder and harder. Less and less is covered by increasingly costly insurance. Now the majority of employers offer no group plans at all. What’s amazing is that even with insurance, many people can’t afford to pay what their insurance will not. (Ask me about my family’s out-of-pocket dental outlays in the last few years.)

The Wall Street Journal today said that hospitals are now checking people’s credit histories before treatment. The way things are going (especially if RealID comes to pass, as it looks it will), you may one day be turned down for necessary medical treatment because your credit score is too low. That the hospitals are being granted access to your credit history is bad enough, but if things go as they are, it might get worse than that.

What does it mean for us to pray Give us this day our daily bread ?

I once went on a five-day, water-only fast. Most people don’t handle a single day of fasting well. Try five. The strange thing about fasting is the euphoria you begin to feel around day four. It’s a bizarre sensation. Oddly enough, by the time you reach day four, driven by that fasting “high,” you could probably hold out for another week or so before physical damage sets in. The hunger that gnaws at you those first few days passes. A giddiness replaces it.

I don’t want to think we’re at a point where more and more people will acquaint themselves with the strange rush of starving to death. But I’m nevertheless convinced that any time we had to buttress our positions against such an inevitability may have come and gone.

Give us this day our daily bread.

Here’s the questions an unprepared church must face:

  1. Companies lay off workers and giving goes down. Now how do you pay for your building and staff when the collection plate is half-filled and you budgeted for a full one?
  2. The bastions of the church start discovering that they need an extra job or must take service industry jobs that work strange hours, hours that overlap most church activity times. Suddenly, your lay leaders aren’t available to lay lead because they are busy making ends meet any way they can. Who is left to run all your discipleship programs?
  3. Churches that bet the farm on small groups, hoping they will sustain the flock during the week, now find that most people are busy trying to make a living and have no time for small groups. Now what?
  4. The most vulnerable people in the church start suffering. Who will care for and comfort them when you’ve been forced to reduce paid staff numbers and lost to job-related issues the 20 percent of non-clergy who do 80 percent of the ministry?
  5. When people lose jobs, they lose employer healthcare benefits. When they take part-time jobs (if available), they don’t get health insurance. What do you do when one of the cornerstones in your church tells everyone he has cancer and will need at least half a million dollars for a course of therapy?
  6. Scared people start making runs on banks and grocery stores. The ones who still do have some money clean things out. How will the people in your church eat?
  7. People in misery do stupid, desperate things. How do you react when an important person in your church goes down in flames and possibly goes to jail for it?
  8. What network connections has your church forged with churches who may have anticipated this trouble and planned better than yours did? Were you castigating their theology all these years, only to have to go to them for help now?
  9. People start losing homes. How will you shelter them?
  10. People start moving out of the worst areas to find work in better areas. Your church isn’t in one of the better areas. What do you do when you start losing people to nomadic lifestyles, or worse, to a falling away because of hard times and persecution?

Give us this day our daily bread.

We need two things: the faith to pray Give us this day our daily bread and the clear thinking to address terrible issues with radical answers rooted in the Gospel.

In the next installment of this series, I’ll offer some ideas of what we can do to better weather bad times and be a Church that is not only prepped for battle, but knows how to live by Give us this day our daily bread.

Stay tuned.

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Banking On God: Series Compendium

Banking on God: Crisis, Part 1

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Woe unto the grasshopper!That I’m still under the weather makes today’s post all the more apt. Feeling lousy may be a state many of us will better understand in the days ahead.

The fifth largest investment bank in the United States collapsed Monday. Please read that again.

Now read this: 60,000 homes in my state of Ohio are in the process of foreclosure as of last quarter. That’s the worst in the nation.

When I first read a nondescript, well-hidden article in The Wall Street Journal last May concerning problems in the sub-prime mortgage industry, I told my wife, “This is it. The ripples are going to be devastating.”

Long-time readers of Cerulean Sanctum know that this is one of the few Christian blogs out of thousands that talks about economic issues facing the Church in America. I’m no prophet, but it didn’t take a seer to read the handwriting on the last recession’s wall. My church’s number one prayer request was for meaningful work. Number one. Sadly, many of those who lost jobs in the last recession could not find jobs that paid as well as the ones they lost. This is a serious concern that many people, including economists, ignored.

The chance that we would suffer another economic meltdown worse than the one that hurt us for nearly five years seemed lost on all the stampeding bulls when the US economy supposedly turned the corner sometime in 2004-2005. Sadly, though, that corner turn didn’t trickle down to many people. Every economic survey known to man showed that real wages only improved during the last “rebound” for those in the top one or two percent of wage-earners. The rest of us could not keep pace with inflation. But those dour, yet real, numbers got lost in the giddiness over the fact that the ultra-rich got ultra-richer, and their continued ultra-richness drove up all the positive economic figures disproportionately.

Now the greed of many of those ultra-rich, particularly those who drove ludicrous speculation in investment sectors, is threatening the entire world economy.

Once again, the question must be asked: How has the Church prepared for any of this?

Perhaps this poll figure will show us:

[poll=35]

Answer? Not at all, it seems. Once again, we’ve been caught napping.

And this is patently sad, as I see it. One can’t read the Bible and not note that God blesses people who are prepared. Imagine a world where Noah failed to build the ark. Think on Joseph ignoring God’s counsel, leading to an Egypt ill-equipped to handle seven years of famine. Scratch those and there is no story of salvation, folks. The world grinds to a wet, watery end. Or it starves to death.

So which of our churches stored up for seven years of famine during the few years of “plenty” we supposedly just experienced? Just two percent by the poll responses. As far as I see it, every “unknown” response might as well be a “false,” because if it’s not obvious we’re preparing (and our preachers aren’t talking about it), then we haven’t been.

[poll=39]

Half of us said we could help a family in need up to a month’s worth of groceries. I figure that’s good for a one-time gift of $200-$300.

My concern here, though, is whether this will be enough when the need moves from being a lone family in your church and mine to dozens. Or in the case of some megachurches, hundreds.

[poll=38]

While it looks as if this poll shows a drop in what respondents thought would be the largess of their church versus what they would give themselves, it balances out because some believed their churches would handle more expensive needs. That’s a positive answer. Let’s all pray that it reflects reality.

[poll=37]

The last recession lasted three to five years, depending on which economists you read. The news for this poll question, though, deals with the increasing length of time it takes job searchers to find decent jobs lost during an economic downturn.

On average, the last recession saw the unemployed enduring ten months of nada before finding replacement work. Considering that most unemployment payments end after six months, it’s a four month shortfall on income. That’s all that half the respondents had set aside. God help us if things should be worse this recession.

About five years ago, I sat in a church amid 2,500 or so people and raised my hand when the pastor asked how many had at least six months income set aside. I looked around that massive auditorium filled with people and a grand total of six hands were raised. My wife and I counted for two of those hands.

This was not a throwaway poll by that pastor, either. He beseeched people to be honest. What was most scary was I would deem the majority of people sitting in that church that night to be middle to upper-middle class. These weren’t poor people already scraping by, but the ones who should know better.

How is it that we are not better savers? Why is the savings rate in this country in the negative numbers? I was playing a trivia game a couple weeks ago and a question asked, “What percentage of Americans spend more in a year than they earn in wages?” I guessed around 30 percent. The answer? Closer to 75.

Yeah, you read that right.

Folks, we Christians need to be better prepared than that and far more serious about money than we appear to be.

[poll=41]

If this answer were truly the case, then why are our churches unprepared to take care of people, both members and outsiders, if and when the economy tanks?

[poll=42]

A CNN poll today said that three out of four people believe we’re in a recession. I wonder what the poll above would show today versus three weeks ago if I re-ran it.

[poll=40]

In the church finances poll, most respondents said that staff salaries comprised the largest chunk of financial outlay for their churches. Fortunately, clergy positions are exempt from payroll taxes. Same for property taxes for churches.

Now imagine if those were removed on a church on thirty acres of land that had a dozen exempt-clergy positions. That’s a mighty big resulting ouch.

I would not be surprised if in my lifetime churches lost their tax exemption. Increasingly, city governments are fighting harder to keep churches out of any area deemed business-worthy. Why? Because the locality can’t draw taxes from that church, and the church keeps one more business from locating on prime, taxable turf. You can bet that sooner or later someone, somewhere, is going to run the numbers on all that uncollected tax money and somebody’s not going to be happy with failing to get a cut.

This issue becomes even scarier when we realize that the Fed position on church tax exemption considers it a privilege rather than a right. A series of court rulings in the 1970s formalized that “privilege, not right” position legally. And what is labeled a privilege is typically taken away when it seems most expedient to do so. Like in a deep, protracted recession. Just the kind that economic experts at the University of Michigan claim we now face.

Wouldn’t it be dispiritingly ironic if the American Church lost its tax exemption in order for the government to fund social services the Church should’ve been handling anyway?

[poll=43]

Pascal’s Wager is a famous apologetic that states it is far wiser to believe that God exists than to bet that He does not and be forced to pay the consequences of His existing. In other words, if God doesn’t exist, then it doesn’t matter who believes in Him or not, the end of all humans is the same. But if He does exist (and particularly if the Bible establishes His rules for living), then those who don’t believe in Him are in one world of hurt when they die. Better then to believe in Him.

Describing the Church’s position on the End of All Things poses the same problem, except for Christians. It’s nearly impossible to gather a room of noted theologians and get them to agree on issues like the Rapture, the millennial reign of Christ, and the meaning of the symbols and events of Revelation. Eschatology divides more Christians than just about any other issue.

In that case, would it not behoove Christians to prepare for the worst possible end times scenario rather than the least? If so, the worst would be that the Church goes through the entire Great Tribulation. If the Church gets raptured out of here at the first sign of trouble, then great! We avoid the Great Tribulation altogether. But what if that’s not the way it works? (And no one thought it worked that way until the late 19th century, so what does that tell us?)

Where then is our preparation? How will our churches handle persecution? What alternative economic systems are church leaders developing so Christians can exist outside the corrupted world economic system? Have we identified people in our churches with specialized skills? Are we doing anything at all to weather even a few months of the storm? Anything?

We simply are not ready and have no excuse for our lack of preparedness.

[poll=44]

Almost a third of poll respondents said they believed that Jesus would return in the next 5 to 25 years. That’s a pretty astounding number, though not unusual. I believe that most Christians throughout history have believed that the Lord’s Second Advent would come in their lifetimes.

Still, if one person out of three believes this, where is the evidence of our preparation for His return? One out of ten of you believe Christ will not only return soon, but that the Church will persist through the Great Tribulation. Where then is the evidence that one church in ten is prepping for that reality?

What we say we believe and how we live that belief MUST align or else we deceive ourselves.

I don’t want to sound like a broken record here, but it’s hard not to see today’s Church in America as the grasshopper in Aesop’s tale. We need to be more like the ant—or should I say that we needed to be more like the ant. Because if winter is indeed already upon us, it’s going to be a brutal and savage cold like we’ve never experienced before.

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Banking On God: Series Compendium