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Owe no man any thing, but to love one another - In the preceding verses the apostle has been showing the duty, reverence, and obedience, which all Christians, from the highest to the lowest, owe to the civil magistrate; whether he be emperor, king, proconsul, or other state officer; here he shows them their duty to each other: but this is widely different from that which they owe to the civil government: to the first they owe subjection, reverence, obedience, and tribute; to the latter they owe nothing but mutual love, and those offices which necessarily spring from it. Therefore, the apostle says, Owe no man; as if he had said: Ye owe to your fellow brethren nothing but mutual love, and this is what the law of God requires, and in this the law is fulfilled. Ye are not bound in obedience to them as to the civil magistrate; for to him ye must needs be subject, not merely for fear of punishment, but for conscience sake: but to these ye are bound by love; and by that love especially which utterly prevents you from doing any thing by which a brother may sustain any kind of injury.

Owe no man anything - Be not “in debt” to anyone. In the previous verse the apostle had been discoursing of the duty which we owe to magistrates. He had particularly enjoined on Christians to pay to “them” their just dues. From this command to discharge fully this obligation, the transition was natural to the subject of debts “in general,” and to an injunction not to be indebted to “any one.” This law is enjoined in this place:

(1)Because it is a part of our duty as good citizens; and,

(2)Because it is a part of that law which teaches us to love our neighbor, and to “do no injury to him,” Romans 13:10.

The interpretation of this command is to be taken with this limitation, that we are not to be indebted to him so as to “injure” him, or to work “ill” to him.

This rule, together with the other rules of Christianity, would propose a remedy for all the evils of bad debts in the following manner.

(1) it would teach people to be “industrious,” and this would commonly prevent the “necessity” of contracting debts.

(2) it would make them “frugal, economical,” and “humble” in their views and manner of life.

(3) it would teach them to bring up their families in habits of industry. The Bible often enjoins that; see the note at Romans 12:11; compare Philemon 4:8; Proverbs 24:30-34; 1 Thessalonians 4:11; 2 Thessalonians 3:10; Ephesians 4:25.

(4) Religion would produce sober, chastened views of the end of life, of the great design of living; and would take off the affections from the splendor, gaiety, and extravagances which lead often to the contraction of debts; 1 Thessalonians 5:6, 1 Thessalonians 5:8; 1 Peter 1:13; 1 Peter 4:7; Titus 2:12; 1 Peter 3:3, 1 Peter 3:5; 1 Timothy 2:9.

(5) Religion would put a period to the “vices” and unlawful desires which now prompt people to contract debts.

(6) it would make them “honest” in paying them. It would make them conscientious, prompt, friends of truth, and disposed to keep their promises.

But to love one another - Love is a debt which “can” never be discharged. We should feel that we “owe” this to all people, and though by acts of kindness we may be constantly discharging it, yet we should feel that it can “never” be fully met while there is opportunity to do good.

For he that loveth … - In what way this is done is stated in Romans 13:10. The law in relation to our neighbor is there said to be simply that we do no “ill” to him. Love to him would prompt to no injury. It would seek to do him good, and would thus fulfil all the purposes of justice and truth which we owe to him. In order to illustrate this, the apostle, in the next verse, runs over the laws of the Ten Commandments in relation to our neighbor, and shows that all those laws proceed on the principle that we are to “love” him, and that love would prompt to them all.

Be determined never to incur another debt. Deny yourself a thousand things rather than run in debt. This has been the curse of your life, getting into debt. Avoid it as you would the smallpox. CS 257.1

Make a solemn covenant with God that by His blessing you will pay your debts and then owe no man anything if you live on porridge and bread. It is so easy in preparing your table to throw out of your pocket twenty-five cents for extras. Take care of the pennies, and the dollars will take care of themselves. It is the mites here and the mites there that are spent for this, that, and the other, that soon run up into dollars. Deny self at least while you are walled in with debts.... Do not falter, be discouraged, or turn back. Deny your taste, deny the indulgence of appetite, save your pence and pay your debts. Work them off as fast as possible. When you can stand forth a free man again, owing no man anything, you will have achieved a great victory.—Letter 4, 1877. CS 257.2

After my husband died, one of our brethren, who thought a great deal of him, said, “Do not let them bury him, but pray to the Lord that He may bring him to life again.” I said, “No, no, although I realize my great loss, I will not do this,” I felt that he had done his work. No one but myself knew how great a load he had carried in the efforts we had put forth to advance the truth. He had done the work of three men. RY 164.1

Night after night, at the beginning of our work, when advancement seemed to be hindered on every hand, he would say, “Ellen, we must pray. We must not let go until we realize the power of God.” He would lie awake for hours, and say, “Oh, Ellen, I am so afflicted. Will you pray for me, that I may not fail or be discouraged.” Together we offered up our prayers, with strong crying and tears, until from his lips came the words, “Thank the Lord; He has spoken peace to me. I have light in the Lord. I will not fail. I will press the battle to the gates.” Would I have him suffer all this over again? No, no. I would in no case call him from his restful sleep to a life of toil and pain. He will rest until the morning of the resurrection. RY 164.2

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I was pointed back to the children of Israel anciently. God required of them all, both poor and rich, a sacrifice according as He had prospered them. The poor were not excused because they had not the wealth of their rich brethren. They were required to exercise economy and self-denial. And if any were so poor that it was utterly impossible for them to bring an offering to the Lord, if sickness or misfortune had deprived them of the ability to bestow, those who were wealthy were required to help them to a humble mite, that they come not before the Lord empty-handed. This arrangement preserved a mutual interest. 1T 220.1

You have been controlled by feeling, not by duty and principle. You have given up to homesick feelings and injured your health by indulging a spirit of unrest. Your habits of life are not healthful. You need to reform. Neither of you is willing to work as others work, or to eat as your brethren eat. If it is in your power to get things, you have them. It is your duty to economize. 2T 435.1

In contrast with your case was presented that of Sister S. She is in feeble health, and has two children to support with her needle at the very low prices which are paid for her work. For years she received scarcely a farthing of help. She suffered with ill health, yet she carried her own burdens. Here was an object of charity indeed. Now look at your case. A man with a small family and a good capital of strength, yet constantly involved in debt and leaning upon others. This is all wrong. You have lessons to learn. With Sister S, economy is the battle of life. Here you are with a man's strong energies, and yet are not self-sustaining. You have a work to do. You should have uniformity of diet. Live at all times as simply as your brethren live. Live out the health reform. 2T 435.2

Jesus wrought a miracle and fed five thousand, and then He taught an important lesson of economy: “Gather up the fragments that remain, that nothing be lost.” Duties, important duties, rest upon you. “Owe no man anything.” Were you infirm, were you unable to labor, then your brethren would be in duty bound to help you. As it is, all you needed from your brethren when you changed your location was a start. If you felt as ambitious as you should, and you and your wife would agree to live within your means, you could be free from embarrassment. You will have to labor for small wages as well as for large. Industry and economy would have placed your family, ere this, in a much more favorable condition. God wants you to be a faithful steward of your strength. He wants you to use it to place your family above want and dependence. 2T 435.3