Topical Studies
What the Bible says about
Sin as Debt
(From Forerunner Commentary)
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Matthew 6:9-13
It is interesting to note in this model prayer that sin is expressed through the image of debt, a true metaphor. Duty neglected, a debt to God, must be discharged by a penalty. All have sinned and the wages or penalty is death (Romans 3:23; 6:23). We are all under a peculiar form of indebtedness which we cannot pay and still have hope!
John W. Ritenbaugh
Passover, Obligation, and Love
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Matthew 6:12
Our sins are debts to God, which we, the debtors, cannot pay. God is willing to wipe our slates clean if we humble ourselves before Him. We ask for forgiveness for our sins, and by so doing, we acknowledge that there is no other way to get rid of sin but through the sacrifice of Jesus Christ. When we forgive others, God can see His own image reflected in us. As His children, we must be willing to forgive no matter the affront. Jesus gives us the example to follow, as He was able to ask the Father to forgive those who were crucifying Him (Luke 23:34)!
Ted E. Bowling
Sticks and Stones
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Luke 7:41-50
Interestingly, in the model prayer (Matthew 6:12), sin is expressed as debt. It is a true metaphor because duty neglected in relation to God is a debt owed to Him, one that must be discharged by paying a penalty. All have sinned (Romans 3:23), and the wages of sin is death (Romans 6:23). We are all under a peculiar form of indebtedness that we cannot pay and still have hope! Simon and the woman each portray a class of sinners. Though all are sinners, some have incurred more debt through the way of life each has lived. Some are outwardly respectable, decent, and clean living, while others have fallen into gross, sensual, and open transgression. In this regard, Simon was a great deal "better" than the woman, who was coarse and unclean. She had been wallowing in filth while he attained civic respectability through rigid morality and punctilious observance of civility. He had far less to answer for than she, but he had also received a great deal more from his morality and righteousness than she had. God is not so unfair as to withhold blessings from people for the right they have done. Yet, regardless of the relative size of each one's debt, neither was able to pay it! We all are sinful and stand in the same relation to God as these two debtors. One's sins may be blacker and more numerous than another's, but upon considering degrees of guilt and the complex motivations behind each one's sins, we may not be so quick to judge the woman's sins worse than Simon's. From this perspective, they were equal. His sins were clothed with respectability, but he still could not meet his debt. Jesus says, "They had nothing to pay." That also precisely describes our position in relation to each other. What does this mean practically in regard to Jesus Christ and our sins? No depth of guilt, no amount of tears, no amount of self-flagellation or discipline, no amount of repentance can work this into a payable debt. Some of these are certainly required by God and are good to do, but forgiveness, the payment of our debt incurred through our personal sins, is by grace through faith (Ephesians 2:8). It comes by God's mercy through the blood of Jesus Christ (I John 1:7). We absolutely cannot pay it ourselves and still have hope of eternal life. If it could, God would owe us something—He would be indebted to us! That will never, never be.
John W. Ritenbaugh
An Unpayable Debt and Obligation
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Romans 6:23
One of the most basic truths in God's program involves the fact that the wages of sin is death (Romans 6:23). The death we are intended to understand is the second death. There are only two ways to satisfy this basic truth: First, all humans must be paid that wage because all have sinned and come short of the glory of God (Romans 3:23). Second, another, an innocent One on whom death has no claim because He never sinned, must pay that wage in our stead, substituting His death for ours. We find both aspects applied to practical Christian life in Romans. Paul writes in Romans 5:8, "But God demonstrates His own love toward us, in that while we were still sinners, Christ died for us." It is essential that we thoroughly understand that Christ died, not merely as a benefit, but for us, that is, in our place. His death substitutes for our well-deserved death, which we earned through sin. Earlier, the apostle had written in Romans 4:1-5: What then shall we say that Abraham our father has found according to the flesh? For if Abraham was justified by works, he has something to boast about, but not before God. For what does the Scripture say? "Abraham believed God, and it was accounted to him for righteousness." Now to him who works, the wages are not counted as grace but as debt. But to him who does not work but believes on Him who justifies the ungodly, his faith is accounted for righteousness. When confronted by such scriptures that cannot be broken, our only possible conclusion is that the sin-debt that each person owes to God absolutely cannot be worked off. It is so huge and serious that an already sin-defiled person cannot pay it off. Once a person sins, his debt is absolutely irredeemable by anyone or any action except through death. Either each individual pays for himself, or Christ pays in his place. These are the only acceptable payments.
John W. Ritenbaugh
The Christian Fight (Part Four)
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