The theme here is protection. Satan quotes from Psalm 91:11-12, which has the same theme. He is quoting back to Jesus the very words that He had inspired, but he does it without quoting the entirety of the two verses. He leaves out one phrase: "in all your ways." Jesus immediately replies, showing him that he had misapplied it: God does not guarantee He will protect us "in all our ways."
Will Jesus protect us in our rebellion? Will He protect us if we are downright foolish? God certainly expects us to do things involving faith in Him, which the unconverted may consider to be foolish or dangerous. But willfully exposing ourselves to any danger, presuming that God is going to protect us, is tempting Him. Man has no right to dictate to God what He should do.
It is as if Satan is saying to Jesus: "Since you are God's Son, certainly He will protect You from whatever danger You may get into. His angels will always be there to help You. You cannot be hurt. Deliverance will always be there. You can trust Him." It sounds good, but it is built upon a presumption.
Some ministers, when they are counseling people on a trial, say, "You just do what I told you, and everything will work out." The implication is that, even if the minister's counsel is wrong, God will smooth it over and make it work simply because he is God's minister and they are God's people. From this temptation of Jesus, we can see that He does not believe that. We cannot tempt God and expect His promises to force Him to rescue us. God may, in His mercy, rescue us because of our ignorance, but that is not the spiritually mature way to think.
John W. Ritenbaugh
A Place of Safety? (Part 2)