Chris Pateman reviews ‘Money: The Great Deception’ by Gottfried Hetzer (self-published, 2018).

The Lord laid it out pretty clearly in Deuteronomy 28: blessings for obedience to his principles would make his people ‘the head and not the tail’, and sufficiently prosperous to be able to lend to those in need. Curses for disobedience would make them ‘the tail and not the head’, needing to borrow to stay alive. In which of those camps are today’s horrendously indebted nations? In which of them are today’s credit-card-owning, mortgage-paying Christians?

Gottfried Hetzer’s 15 years as a financial controller for international corporations have certainly given him some useful insights into banking policy and international capital flows. But it’s his love for the Lord and for Kingdom principles which shines through the 200 pages of this crisp and insightful book on that particularly controversial issue: money.

You don’t need an economics degree or a banking background to understand that the world is in a financial mess. And thankfully, that’s just where Hetzer starts: he writes clearly and accessibly, without presuming any prior level of financial knowledge. This is a book anyone can read, and arguably, a book every Christian should read.

Analysing Babylon

Structured in six parts, Hetzer starts by analysing how the world financial system works, explaining simply why money is a more useful tool than barter, as well as basic concepts like interest, inflation and deflation. He then unpacks problems with the current system, covering topics such as debt, corruption, speculation, artificial money creation, ecological exploitation and war.

Hetzer offers a chillingly simple explanation of how modern banks are allowed to treat their investors’ money as their own, lending it out multiple times and making money out of nothing, giving nothing back to society, concentrating more and more power in fewer and fewer hands, and disadvantaging the least able in society.

Gottfried Hetzer’s 15 years as a financial controller have certainly given him some useful insights on money - but it’s his love for the Lord which shines through.

Building his critique, he eventually concludes that the global financial system has become so distorted, corrupt and destructive as to be worthy of the title ‘Babylon’. We have arrived at a situation far from God’s original design, where people serve ‘the system’ rather than the system serving people.

The next two sections of the book are devoted to problem-solving, looking at worldly ‘solutions’ to financial issues and then contrasting these with biblical principles. Time and again, the ideologies and ethics that underpin the world of finance are shown to fall short of the values outlined in Scripture, with the conclusion drawn that an entirely different, Kingdom-based approach is needed.

Personal Advice

Hetzer makes compelling arguments about corporate banking, but it’s at the ‘what does this mean for me?’ level that this book really excels. Time and again he reminds us that everything we have is God’s anyway; that we are just stewards; that naked we came into this world and naked we will depart.

Constant reference to Bible texts (and occasional references to the apocryphal Sirach) keep both author and reader rooted in God’s word, as the book moves from issue to issue.

Are we sure God is calling us to own a house – or are we assuming this because it’s what our culture says we are entitled to? Might he not be calling us to witness to our landlord by being an exemplary tenant? We may have God in our home lives and our work lives, but how often do we make him the head of our financial decision-making?

Pertinent and Practical

This is a helpful, challenging, biblical book that is pertinent for our present times, offering a ‘big picture’ commentary as well as a lot of practical, personal advice, and always putting money in its proper place: in true submission to the rule of Christ.

Time and again Hetzer reminds us that everything we have is God’s anyway; that we are just stewards; that naked we came into this world and naked we will depart.

Hetzer divides the book into useful thematic sub-sections (e.g. ‘Inflation’, ‘Bribery’, ‘Interest’) so it can easily be revisited as a reference source. But it’s not just a textbook: it is a challenge to our worldly attitudes towards money that also offers a biblical alternative. We may not be able to change the whole world, but we can certainly change our own attitudes. Hetzer gives us plenty of Kingdom advice on precisely how – on everything from tithing to car sales.

Hetzer’s introduction ends with this thought (p10): “remember, creation has delivered its own Creator to the cross for a ridiculous 30 silver coins. Isn’t it disturbing that the image of God (here the man Judas) has delivered God Himself for a pittance to die innocently?”

A useful and stimulating book.

‘Money: The Great Deception’ (209pp, paperback) is available for £6.85 from Amazon. Also available on Kindle. Find out more about Gottfried Hetzer on his website.

Did Jesus follow or reject the oral law? David Bivin concludes his assessment of the Jewishness of Jesus.

Last week we began to look at how Jesus not only lived as an observant Jew but was readily recognised as such by his contemporaries; discovering evidence for this in Jesus's upbringing, the acceptance of Jesus as a 'rabbi' by those around him, his relationship with his disciples and his method of teaching and preaching.

Attitude to the Oral Law

Jesus also appears to have adhered to the oral law in his attitude towards such practices as sacrifices, fasting, almsgiving, tithing and blessings. Notice, for example, how he gave tacit approval to the offering of sacrifices in Matthew 5:23-24: “If you are offering your sacrifice at the altar and there remember that your brother has something against you, leave your sacrifice there in front of the altar. First go and be reconciled to your brother; then come and offer your sacrifice.”

Jesus also commanded the lepers whom he healed to perform the ceremony for their cleansing prescribed in the Bible. This ceremony included the offering of sacrifices as well as ritual immersion. He told the ten lepers to show themselves to the priest and specifically charged another leper, “Show yourself to the priest and offer the sacrifice Moses commanded” (Matt 8:4).

Fasting

Jesus also took for granted that his disciples would fast when he commanded them to “put oil on your head and wash your face, so that it will not be obvious to men that you are fasting, but only to your Father, who Is unseen” (Matt 6:17).

Jesus was accused of not living the ascetic life of John the Baptist, which might give one the impression that he did not fast a great deal. However, if he were practising what he preached about the concealment of fasting, those who accused him would not have known whether he did so or not. Certainly, Jesus could not have criticised those who made a show of their fasting if he himself did not fast.

In recounting the parable of the Pharisee and the tax collector, he criticised the Pharisee, not because he fasted twice a week, but because of his overweening pride.

Jesus appears to have adhered to the oral law in his attitude towards such practices as sacrifices and fasting.

It is also inconceivable that Jesus did not fast on the Day of Atonement each year throughout his life 'to afflict his soul.’ This was interpreted by the rabbis to mean a total fast (abstinence from both food and drink) of approximately 25 hours. Scripture specifies exclusion from the community as the penalty for anyone who did not afflict his soul on that day (Lev 23:29), and states that anyone who did any work on that special occasion would be “destroyed by God” (Lev 23:30).

It should also be noted that after his baptism, at the beginning of his public ministry, Jesus fasted for 40 days (Matt 4:2). So Jesus was one who fasted.

Giving and Tithing

In the same section of the Sermon on the Mount where Jesus criticised the hypocrites who only fasted that they might be seen by men, Jesus also criticised those who made a public display of giving to the poor.

He must have been a generous giver himself. We can assume this because Jesus taught that one should lay up treasure in Heaven rather than on earth, and that if one's eye were 'bad' (that is, if one were stingy), “his whole body will be full of darkness” (Matt 6:19-23). Again, “When you give to the needy” said Jesus (Matt 6:2), not 'if you give to the needy'.

Jesus assumed that his disciples were almsgivers, and one may confidently assume that the Master was as well, even without there being any specific New Testament example of such action.

Any discussion of almsgiving raises the related issue of tithing, and since tithing is as much a biblical commandment as giving to the needy, there should be no question but that Jesus both tithed and gave to the poor.

Jesus assumed that his disciples were almsgivers, and one may confidently assume that the Master was as well.

Some Christians maintain that Jesus criticised the Pharisees for being so pedantic as to tithe even the spices and herbs in their gardens, and consequently they therefore assume that Jesus opposed such tithing (Matt 23:23). This is an error resulting from a faulty reading of the text. It is similar to the misunderstanding some people have that money is the root of all evil. What Scripture states, however, is that it is “the love of money” that is “a root of all kinds of evil” (1 Tim 6:10).

Jesus did not pronounce his woes upon the scribes and Pharisees for tithing mint, dill and cummin, but rather for keeping only such 'lighter' or less serious commandments, whilst failing to observe the 'heavier' or more important ones.

In the written law, the commandment is that one should tithe only on grain, oil and wine. But the rabbis (at the time of Jesus and just before), ruled that anything used for food had to be tithed.

Jesus, when speaking of this tithing of the herbs in the garden, says that it should not be neglected (Matt 23:23). His statement leaves no doubt about how Jesus felt about tithing, and more importantly, how he felt about the observation of the commandments as they were interpreted by the rabbis.

Saying of Blessings

A few verses previously, in Matthew 23:3, Jesus explicitly instructed his disciples with regard to their attitude towards the scribes and Pharisees concerning the keeping of the oral law: “You must obey them and do everything they tell you.” The sole scriptural basis for the many blessings that an observant Jew still says daily is Deuteronomy 8:10: “When you have eaten and are satisfied, praise the Lord your God for the good land he has given you.” Literally, the text says, “And you shall eat, and you shall be full, and you shall bless.”

The sages found in this verse justification for saying a blessing before the meal as well as after; and on many other – indeed almost all - occasions. The general rule is that anything that a man enjoys requires a blessing.

There is a blessing to be said before a public reading from the Torah, and another at the completion of the reading; a blessing after immersing oneself in a mikveh and a blessing upon seeing a great scholar.

There is an obligation to bless God for calamity and misfortune, as well as for prosperity and good fortune. For rain and for good news one says, “Blessed is he who is good and who gives good.” For bad news the form is, “Blessed is he who is the true judge.”

Jesus did not criticise the scribes and Pharisees for tithing, but for keeping such 'lighter' commandments whilst failing to observe more important ones.

There is evidence that Jesus adhered to the ruling of the oral law in his use of various blessings. In conformity with the rabbis' interpretation, Jesus not only recited a blessing after meals but also said the blessing before meals. This blessing is:

Baruch atah Adonai eloheynu, melech haolam, ha-motzi lechem meen ha-aretz ('Blessed art Thou O Lord our God, King of the universe, who brings forth bread from the earth').

If you learn that blessing, you can bless the Lord for each meal the way Jesus did!

Blessing the Food or Blessing God?

It is recorded that at the last Passover meal observed by the Lord and his disciples in Jerusalem, Jesus “took bread and blessed and broke and gave to his disciples” (Matt 26:26). Since in the Greek text there is no direct object following the verbs 'blessed,' 'broke' and 'gave', English translators have usually felt it necessary to supply the word 'it' after each of these verbs.

English readers therefore receive the impression that Jesus not only divided and distributed the bread, but blessed it as well. But this is simply a misunderstanding of the Hebraic and Jewish connotations of the word 'bless'.

Because of this recurring 'blessed, broke and gave the bread' in the gospels, it is a common Christian misunderstanding that Jesus actually blessed the bread. But in a Hebraic setting one does not bless things, one blesses God who provides the things. The blessing that was said in Jesus' time before one ate was praise and thanksgiving to God who so wondrously provides food for his children.

Even in his supernatural, resurrected body, Jesus, when eating with the two disciples in Emmaus (Luke 24:30), did not neglect the required blessing before the meal.

We might note at this point that it is a similar mistake to assume that Jesus multiplied the loaves and the fishes by blessing them (Matt 6:41). What Jesus did was simply to bless God before the beginning of the meal. The miracle was not a result of the blessing, for food did not multiply on other occasions when Jesus gave thanks for the provision of food.

Even in his supernatural, resurrected body, Jesus did not neglect the required blessing before the meal.

The matter of blessing before eating may be a good example of how the Western Gentile Christian's lack of knowledge of Jewish customs has led to a misunderstanding of precisely what Jesus did. In this case it has led to the development of the Christian practice of 'saying grace before meals' in which we 'bless the food', rather than give thanks to God for it, and which as such, has no foundation either in Jewish culture or in Jesus's own practice and teaching.

It is also an example of how a Jewish book, written for Jews, can create confusion for later, non-Jewish readers. Luke made it clearer for his Greek-speaking readers when he referred to Paul's practice in Acts 27:35: “He took some bread and gave thanks to God in front of them all. Then he broke it and began to eat.”

Did Jesus Wear Tzitziyot and Tefillin?

The New Testament makes it clear that Jesus, like all observant Jews of the 1^st Century, wore tzitziyot, which is the Hebrew word for the tassels or fringes that hung from the four corners of the outer garment or robe of a Jew at that time. This is commanded in Numbers 15:37-41 and Deuteronomy 22:12.

That Jesus wore these tzitziyot is illustrated by the story in Matthew 9:20 of the woman who had suffered from a haemorrhage for 12 years and who was healed when she came up to Jesus and touched 'the fringe of his garment.' The Greek word kraspedou, translated as 'hem,' 'border,' or 'edge' in English translations of the New Testament, is the word used for the tzitziyot.

There is no explicit evidence offered in the gospels that Jesus also wore tefillin on his forehead and right arm. Called 'phylacteries' in the Bible (Matt 23:5), these are the two leather boxes which each contain four passages of Scripture inscribed on tiny parchment scrolls. These boxes are bound by leather straps, one on the forehead and one on the arm. The arm box contains a single parchment on which all four passages are written, while the head box is divided into four compartments, each of which contains a parchment with one of the four Scripture passages written on it.

Wearing these phylacteries was the rabbinic way of observing the commandment in Deuteronomy 6:8 to bind the words of the Lord as a sign on their hands (the correct translation is 'arm'), and on their foreheads. It might be argued, of course, that this is metaphorical language and that one is not meant to literally bind all or part of God's word to a person's arm or forehead.

Jesus, like all observant Jews of the time, wore tzitziyot, the tassels that hung from the four corners of the outer garment.

Nevertheless, Jews living in the time of Jesus viewed the wearing of tefillin as a biblical commandment and they were part of ordinary Jewish dress. Putting on the tefillin only at the time of prayer, as is practised by Orthodox Judaism today, is a later custom. In Jesus's time they were worn throughout the day and removed only for work or when entering a place which was ritually unclean. Tefillin dating from the 1^st Century have been found in the caves near Qumran on the shores of the Dead Sea, and are almost identical to those worn by Orthodox Jews today.

In Matthew 23:5 Jesus criticised some of the Pharisees because “They make their phylacteries broad and their fringes long”. But rather than criticising the wearing of tefillin and tzitziyot, Jesus was condemning the religious hypocrisy that led to an exaggerated size being worn that would be obvious to others.

While Jesus condemned such ostentation, we have no reason to believe that he did not himself wear them. Had Jesus himself not worn phylacteries, as well as having the fringes on his garment, he surely would have been attacked on that count by the religious leaders of the day.

Rediscovering Our Hebraic Roots

In general, one gains the impression from the gospels that Jesus dutifully adhered to the practices of observant Jews of his day and that his attitude towards these practices was guided by the interpretations of the rabbis as expressed in the oral law.

During my research I have come to see that Jesus was a Jewish rabbi or, if we do not want to use the word 'rabbi' (since it was not a title in those days) we can say that he was a Jewish teacher.

Large sections of the Christian Church find this difficult to accept and to understand, and their difficulty illustrates how dim is our recollection of the Jewish origins of our faith, and to what extent we have been assimilated into the pagan culture that surrounds us.

One wonders what kind of dynamic organism the Church might have been throughout the ages had she clung more closely to her Hebraic roots, rather than embracing and becoming amalgamated with the pagan Hellenistic philosophy that persists to a very great extent in the Church up to this present day.

What kind of dynamic organism the Church might have been throughout the ages had she clung more closely to her Hebraic roots!

The Church’s only hope, of course, is to see Jesus, but this time to see him and know him personally as he really is: an observant Jew, a Jewish rabbi, the Jewish Messiah of God and - one might add - God himself, Immanuel.

The Gentile Church must become Hebraic in its thinking and approach to understanding the New Testament and should purge itself of the pagan influences of 19 centuries. May we who are members of Christ's Body but who are not of Jewish parentage rid ourselves of the arrogance of which Paul warned the Roman Christians:

Do not boast over those branches. If you do, consider this: You do not support the root, but the root supports you…Do not be arrogant, but be afraid. (Rom 11:18-20)

First published in Prophecy Today, Vol 9 No 5.