Warning of the real dangers facing humanity

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.

BBC finally highlights unapologetic faith in action.

Alongside the triumph of the Ashers Bakery court victory comes news of the ongoing nationwide impact of Christians Against Poverty (CAP).

At a time when we are witnessing an ever-widening gulf between rich and poor, the CAP organisation founded by John Kirkby has swept across the country like a refreshing wave of compassion, setting up branches in many towns and cities and providing tremendous relief and support to countless people often feeling overwhelmed by mountainous debts.

The BBC’s sympathetic hour-long profiling of their work in The Debt Saviours documentary (BBC2) was as welcome as it was unexpected.

Inability to pay off arrears often leads to the most enormous pressures on families, and it is this that CAP workers understand so well as they combine their excellent debt counselling services with a generous dose of genuine care – and, yes, they do offer to pray for clients while respecting their wishes however they respond.

Unapologetic Faith

I was very struck with the TV programme and delighted that the BBC had for once shown Christians in a very positive light. It helped that the participants were boldly unapologetic about praying for people in the process.

They are in a sense fulfilling Jesus’ Great Commission (that his disciples should spread the Gospel everywhere) in a double-track way – both by preaching the good news and by not forgetting the poor, as Christ commanded us.

At a time when we are witnessing an ever-widening gulf between rich and poor, CAP has swept across the country like a refreshing wave of compassion.

I had a bit to do with CAP some years ago when I was sports editor of the Selby Times in North Yorkshire. On the rare occasions when sporting issues did not require my immediate attention, I wrote a few stories about what they were doing including the testimony of how a family became Christians after they were helped out of debt.

I then organised a cricket match to raise money for them – and comedian Tommy Cannon played for my team, giving a pretty decent all-round performance!

As some of my colleagues at Prophecy Today have said, the situation of personal debt in the current economic climate is bound to get worse – Brexit or no Brexit – and there will be an increasing need for this inspiring work.

Faith in Action

The BBC2 programme followed the lives of some very brave CAP clients and frontline workers battling amidst the current UK poverty epidemic, and showed the wonderful work being done through the local Church.

CAP advisers were seen going into people’s homes and praying with clients. Many were helped out of debt and subsequently began attending church.

It’s this sort of focus on the work and motivation of Christians that could well contribute in part to a turning of the tide in the nation as the genuineness of a supernatural faith borne out of a real relationship with God is seen in action – and on the TV screen!

Perhaps there is hope yet for the BBC!

'The Debt Saviours' is still available on iPlayer: click here to watch. 

A warning sign to the nation.

Carillion’s collapse is not only a disaster for its 43,000 employees but a blow to the whole national economy, with up to 30,000 businesses affected in Carillion’s wider network. Of course, all our politicians have gone into ‘blame game’ mode.

The only MPs who can claim to be guiltless of the policy that led to this Private Finance Initiative (PFI) are those on the far left who opposed this dangerous venture into the state trying to get its public services on the cheap.

The short answer is – it is not possible! There is no such thing as free money.

PFI was an idea generated in John Major’s Government but implemented when Gordon Brown was in charge of the Treasury in Tony Blair’s New Labour Government. So, both our main political parties have egg on their faces for the monstrous folly that has put millions of pounds into the pockets of venture capitalists at the expense of the British taxpayer.

Reckless Debt

At a time when interest rates were high and the Government wished to keep borrowing to a minimum it must have seemed attractive to let private investors put up the capital for big construction projects and to delay purchase of the assets over a period of many years. But buying anything on the ‘never-never’ only delays the pain. We are now told that projects valued at £60 billion are costing the British taxpayer £199 billion.

Both our main political parties have egg on their faces for this monstrous folly

It seems almost beyond belief that our politicians could be so incredibly naive to put our hospitals and schools in the hands of these greedy rogues, who have lined their own pockets at public expense. In simple terms, the Government handed out contracts for the building of hospitals and schools paid for largely by foreign investors, who have leased them back to the Government at exorbitant rates of interest in conditions that make vast profits for the investors.

Even after Carillion had issued ‘profits warnings’ indicating that it was in financial difficulties, Transport Secretary Chris Grayling awarded them a contract on part of the High-Speed Rail (HS2) construction.

Carillion have been in trouble for a long time but instead of following a policy of clearing their debts on each project before moving onto the next, they recklessly increased their debts in a kind of commercial Ponzi scheme, by taking on more contracts to help pay off the interest on earlier commitments. Eventually the point was reached where their debt mountain became so massive, and the profits had all been squirrelled away by greedy management, that it became impossible to pay off the debts and the banks would not lend any more.

Day of Reckoning

This has all the feel of the darker side of capitalism and was probably the kind of operation that Marx had in mind when he said that capitalism contains within itself the seeds of its own destruction. I’m not making a case for Marxism, but simply pointing out that there were some things that he got right.

The fundamental weakness of Marxism lies in its dogma of ‘economic determinism’ which sees all human beings as products of their environment. All thought thereby becomes conditioned by matter, because it is a product of matter in motion, which philosophically sets aside the whole notion of human accountability.

It is beyond belief that our politicians put our hospitals and schools in the hands of these greedy rogues, who have lined their own pockets at public expense.

It was this conviction of human accountability to God that was the driving force behind the ministry exercised by the prophets of Israel recorded in the Bible. Listen to this from the Prophet Amos:

You hate the one who reproves in court and despise him who tells the truth. You trample on the poor…You oppress the righteous and take bribes and you deprive the poor of justice in the courts. (Amos 5:10-12)

Amos then goes on to tell the leaders of the nation who are eagerly awaiting the Day of the Lord that it will be a day of darkness not light, because God is a God of truth and justice who holds human beings accountable for their actions.

It is this accountability to a higher authority that is missing in our secular humanist society today. The very existence of these concepts of truth and justice depend upon our recognition of the God of Creation who built these values into the fabric of the universe. When we take God out of the equation we actually destroy the whole structure of society because there are no ultimate values or accountability. Without God we human beings are on our own to make up our own rules that suit our particular needs at the time.

The Underlying Problem

But we live in a moral universe that we ignore at our peril, as the Carillion debacle vividly portrays. The big question now is whether or not our political masters will have the courage not only to take responsibility for clearing up the mess of the disastrous policy of former Governments, but to recognise the reason why the nation is having to bear the huge cost of this folly.

We live in a moral universe that we ignore at our peril.

Will we recognise that by departing from the ‘gold standard’ of the word of God we have brought all this trouble upon ourselves? And will we come humbly before God seeking his ways that lead to blessing and prosperity?

It may be that God has allowed the Carillion economic disaster to come upon us as a warning sign to the nation that all is not well; and that unless we face up to the bigger moral and spiritual problems in the nation we will never get the economy right or solve the nation’s social problems.

Christians Against Poverty (CAP) is one of God's great successes. Paul Luckraft reports on what CAP is doing today and how you can get involved.

Christians Against Poverty (CAP) is one of God's great successes. This week on Prophecy Today we are reviewing the book Nevertheless, which records CAP's origins and early progress. Our Resources Editor Paul Luckraft decided to investigate further and caught up with Helen Norris, CAP's Partnerships Manager for London, to find out what CAP is doing today and how you can get involved. Here is his report.

Transforming Lives

It is always encouraging and stimulating to discover how God is at work in society and how each one of us can take part in the transformation of lives. CAP provides such an opportunity as it always works in partnership with local churches. CAP's aim is not to do it all but to empower Christians to serve Christ within their own communities. There are now four ways in which this can happen. The primary method remains the Debt Centre.

Debt Centres

With 1 in 12 people in the UK now in unmanageable debt, a Debt Centre is a lifeline to many. Every church can become a Debt Centre. CAP will train a Centre Manager to oversee the deliverance of the most comprehensive debt counselling service available anywhere. A Centre Manager doesn't need in-depth financial knowledge. He or she is backed up by over 150 professional Caseworkers and Specialist Advisers at head office.

CAP takes care of all the basic elements of debt counselling centrally, putting together budgets and negotiating with creditors. It assesses the best route for each client to become debt free and equips the volunteer workers and befrienders to take this solution into people's homes, together with the love of Jesus - for it is an essential ingredient of CAP to offer the gospel alongside the financial service. As people find relief from the misery and stress of debt then new hope grows and they become more open to the Christian message.

With 1 in 12 people in the UK now in unmanageable debt, a Debt Centre is a lifeline to many - and every church can become one.

To date CAP has 290 church-based Debt Centres, covering 60% of the UK. The aim is for 500 to cover the whole of the UK. Could your church become a CAP Debt Centre?

Money Courses

More recently CAP has started running Money Courses as a preventative measure. As financial illiteracy is a major cause of debt and poverty this is a vital practical tool to help people avoid getting into debt in the first place. As always this venture is done in partnership with local churches and blended with their passion to share the gospel at the same time as passing on skills that will have a lasting impact on people's finances.

The CAP Money Course has become their greatest weapon against debt. In a society increasingly reliant on credit cards and loans this course provides the simple principles of how to budget, save and spend wisely, giving people a better chance to take control of their finances. CAP is now the largest provider of adult face-to-face money education.

CAP trains volunteers to run these courses in their local churches. Could this be your way of contributing to CAP's work? If you have the confidence and basic skills to present the material, then with extra specialist training you could make a real difference. The course is usually run over three 90 minute sessions, one per week, but this can be flexible. Each session involves a DVD and interactive discussions. By the end of the course those attending will know how to build a good budget and keep it balanced, understand the importance of savings and how to deal with debt. The motto is, prevention is better than cure!

Although primarily designed for adults, there is no reason why these courses cannot be used with youth groups or taken into schools and colleges. Such basic money management is often ignored among young people, at a time of life when it is most needed.

Job Clubs

A CAP Job Club is another tool in the fight against poverty and is designed to equip people to find employment while rebuilding their confidence and self-esteem (often lost when unemployment strikes). These Clubs are, as usual, run through local churches and have become nationally recognised and recommended by the Department of Work and Pensions.

The CAP Money Course has become their greatest weapon against debt, providing people with the simple principles of how to budget, save and spend wisely.

The Club meets once a week and is run by a trained CAP Job Club Manager. A key aspect is the Steps to Employment course, an interactive course that covers practical topics such as CV writing and interviewing techniques, all designed to improve employability. Coaching sessions are then run alongside the course to give members chance to discuss their individual needs in more detail and set goals for themselves. All this is set in a friendly and inclusive environment that combats isolation and also provides members with the taste of a church family.

The first Job Club was opened in 2013 and there are now 140 such clubs, but more are needed. Is this an area where you can help? CAP offers the necessary training so you can provide one-to-one coaching over an 8 week course. The format is flexible enough to run successfully in both small and large churches.

Release Groups

The fourth way to help is the most recent to be developed. A Release Group aims to tackle addiction and dependence in whatever area is needed, not just financial. CAP Release Groups provide a safe, confidential place for people to seek help alongside the support of others who understand what they are going through. The groups teach people practical steps to tackle their dependency head on through interactive sessions and individual coaching.

The eight week course is run by a trained CAP Release Group Coach and offers a place of trust and security for people to take steps to find freedom from their life-controlling habits. Clearly over-spending is one such addiction and one of the main causes of debt and poverty, but the course is flexible enough to cover other addictive behaviours. If your heart is to see people released from addiction then perhaps this is where you could become involved!

Release Groups aim to tackle all kinds of addiction and dependence, providing people with a safe place and practical help to find freedom from life-controlling habits.

Funding

CAP is well respected in the credit industry and in 2015 was the UK Debt Advice Provider of the Year, as awarded by Credit Today.

As their mission statement declares, CAP is passionate about releasing people from a life sentence of poverty, debt, unemployment and addiction. Their vision is to serve the poor and save the lost through 1,000 church based CAP services, so that anyone in the UK can access their life-transforming help.

But how is this funded? There is no Government funding as this would force CAP to give up their Christian emphasis. Sharing the gospel and God's love is key to their mission and all workers do this (90% of the clients accept this as they understand the help is from a Christian organisation and provided via local churches). Funding is provided by 27,000 regular givers (or Life Changers) who give monthly. All donations are welcome, however small. This provides 70% of the annual £10 million budget. The rest comes from legacies and other one-off gifts.

It is important to stress that money is never given out to those in debt. Handouts are not provided. All the money goes towards training and support so that people find their own way out of debt and dependency.

Get Involved Now

Debt is a very pressing social problem. It cripples lives and often leads to other problems. Families and relationships can be destroyed, and medical issues frequently follow as fear and depression set in. The very nature of Christ and his love means that necessarily Christians are against poverty. The only question is what they do about it. Through CAP there is a very real and successful way of putting our faith into action.

How you can help:

• Could you run a CAP Money Course and help give people the basic skills to take control of their own finances?
• Could you start a Job Club and work to equip people to find employment?
• Could you become a CAP Release Group Coach and help free people from addictive behaviours?
• Could your church become a CAP Debt Centre to serve the local community?

To help in any way or to get further details about any aspect of CAP's work, email the Church Partnership Team at This email address is being protected from spambots. You need JavaScript enabled to view it. or call 01274 760580, or visit capuk.org. All enquiries are welcome.

"...one man's mission to change thousands of people's lives": We review the exciting story of how Christians Against Poverty (CAP) was founded.

'Nevertheless' by John Kirkby (Christians Against Poverty Books, 2014, 229 pages, RRP £6.99 with proceeds going to CAP, but also available free from the CAP website)

In 'Nevertheless' we have the exciting account of how John Kirkby founded Christians Against Poverty (CAP). Both he and his family had gone through the experience of debt and dire poverty themselves, which meant he was both well qualified for the task and compassionate towards those he was seeking to help.

Faith in Adversity

In 1996, Christians Against Poverty was started in Bradford with few financial assets but with an incredible example of faith and trust in God. With encouraging words from Scripture and the assurance that God was leading him, the first centre was set up to deliver people from the misery of debt. Through much adversity and many hard times John and his team persevered and in 2001 CAP purchased Jubilee Mill in Bradford as their headquarters. John has kept a diary (set out in the book) of the faith shown by CAP staff through financial problems along the way.

It is wonderful to read how this was achieved and the way that the staff supported a network of church-based debt centres throughout England. Thousands of lives have been changed and there are amazing testimonies from people who have become free from debt – and many are also now Christians.

Growing Network

As well as changing lives in the UK, CAP has now an international ministry with centres established in Australia, Canada and New Zealand. In 2008 the CAP Money Course was formed to teach people how to manage their finances. By 2014 there were five thousand trained CAP Money Coaches from churches and an estimated thirty-two thousand people had been through the course.

As John says in his acknowledgement at the beginning of the book: "I have always known that it is not about me, and as CAP now helps more than 30,000 individuals worldwide each year, it is still all about bringing glory to God" (p7).

Is the Greek banking crisis really over, or have they just kicked the can down the street? Does the new bailout bring real hope or just delay the day of reckoning? Clifford Hill believes biblical principles hold the answer...

The problems facing Greece raise much wider issues that affect all of Europe because there are biblical principles that should have been applied: and if they had been applied the whole situation would have been very different.

All the nations in Europe have a Christian heritage. Their shared belief system based upon the Bible should have enabled a common approach to financial dealings. It is because the European nations have abandoned their Christian foundations and lost their biblical heritage that they are in such trouble today."

Lending and Borrowing in Scripture

The Bible sets out clear rules for lending money. "If one of your countrymen becomes poor and is unable to support himself among you, help him as you would an alien or temporary resident, so that he can continue to live among you. Do not take interest of any kind from him, but fear your God so that your countryman may continue to live among you. You must not lend him money at interest or sell him food at a profit. I am the Lord your God, who brought you out of Egypt to give you the land of Canaan and to be your God" (Lev 25:35).

Surely that could not be clearer? Within the family of Israel, despite all the differences of tribes and clans, there had to be just one rule for everyone. If anyone became in need of help, through illness, accident, or a bad harvest, or even through mismanagement of resources, he and his family had to be helped by the rest of the community. There were no exceptions to this. They were one family of people with a shared belief in God and a shared covenant relationship with God, which created a shared relationship with each other. Therefore they had mutual obligations within the family of Israel.

Those who had resources were to help those who were in need. If they cared for one another in this way they would all prosper and they would enjoy a healthy society where no one was exploited and the whole nation benefited. Indeed, the exploitation of the poor and needy by the rich and powerful was forbidden.

No Blame

The regulation given to Israel in Leviticus 25 does not lay blame on how someone became poor. It simply states "If one of your countrymen becomes poor and is unable to support himself" then he must be helped. That becomes a sacred obligation because it is an out-working of the covenant relationship within the nation of Israel, because of her relationship with God.

Our biblical heritage should guide Europe's thinking, so that when one nation becomes poor that nation should be lent money by the other nations of Europe without interest. There would, of course, be an obligation to repay the amount loaned. The biblical principle is stated in Psalm 37:21 "The wicked borrow and do not repay, but the righteous give generously".

The bailout that was reached last month was the worst possible solution for the people of Greece and only makes them poorer. Already they have 60% unemployment among their young people. This deal, with its increased austerity, will make things worse, driving people into hopelessness and despair. It is a cruel exercise of power of which Germany and France are the chief perpetrators.

Historically both these nations have a record of trying to dominate Europe and rule their neighbours.

• Napoleon was defeated 200 years ago at the 1815 Battle of Waterloo
• Bismarck tried and failed to conquer Europe by force of arms in 1870
• The Kaiser tried the same tactic in 1914 with the resultant deaths of millions of men
• Hitler tried to enslave the rest of Europe in 1939 with disastrous results

Have the Germans and the French really learned that power should be used to promote the common good; not to oppress others, especially their brothers and sisters in the Christian faith? However, we live in post-Christian Europe where biblical values have been abandoned and even the Church relies on interest on its investments!

Different Theological Interpretations

Ironically, although usury (money-lending at interest) was forbidden among the Jewish community, the Bible does not forbid lending to those outside that community. The teaching of Jesus was "And if you lend to those from whom you expect repayment, what credit is that to you? Even sinners lend to sinners, expecting to be repaid in full. But love your enemies, do good to them, and lend to them without expecting to get anything back. Then your reward will be great, and you will be children of the Most High, because he is kind to the ungrateful and wicked" (Luke 6:34-35).

The Catholic Church interpreted this to mean that those who lend should not expect anything in return – not even the original loan. This discouraged any lending. Consequently, the Jews became the money lenders for the Christian community across Europe in the Middle Ages. The Protestant Church similarly forbade usury, but Calvin argued that lending at low interest should be allowed and that the prohibition should be against 'extortionate' interest.

Protestant Work Ethic

His influence extended to German sociologist Max Weber – one of the fathers of Sociology - who noted the distinction between the culture of northern European and southern European nations. In his analysis he noted that the most powerful influence was religion – the differences between Protestantism on the one hand and Roman Catholicism and Greek Orthodoxy on the other. He noted that Catholic and Orthodox beliefs were largely controlled by priests who had great influence over the people.

By contrast, the Protestant nations followed the teaching of the Apostle Paul that each individual believer should work out their own salvation by seeking a personal relationship with God, to whom they are primarily responsible for the stewardship of the spiritual gifts and physical resources they have been given. Weber believed that it was this fundamental difference in religious belief within Christianity that accounted for the difference in national culture between Europe's northern and southern nations.

German sociologist Max Weber argued that religion has powerfully shaped European culture, creating a divide between the northern Protestant nations on the one hand, and the southern Catholic and Orthodox nations on the other."

He noted that the northern nations were driven by what he called the "Protestant Work Ethic" which promoted industrialisation and the maximisation of resources, and included an aesthetic element which prevented them from simply consuming the profits of their labour. They ploughed the surplus back into their business enterprises which became increasingly profitable; whereas people in the southern nations of Europe were not driven by such ambition and were simply content to live life from day-to-day.

This cultural difference still exists in Europe today, particularly among the older generation. Many Greeks remember the Nazis' brutal treatment during the Second World War and that legacy sours the relationship between Greece and Germanythe two countries. Young people are much more influenced by the secular humanist ideology that is circulating freely across Europe and the Western nations. They do not share the faith of their parents or grandparents so they live with a different world-view which is less nationalistic. They accept a different set of values and are not even aware of the biblical values that laid the foundations of all the nation-states of Europe.

Road to Financial Bondage

The traditional north-south European religious divide, as Weber showed, still underpins the Greek crisis as German efficiency is contrasted with perceived Greek fecklessness.
The Germans look upon the Greeks as inferior and lazy people who should be treated harshly and made to conform to northern European standards. The German press day after day vilifies the Greeks. They are determined to impose their Protestant Work Ethic culture upon the people whom they once physically enslaved.

Angela Merkel and her fellow politicians have certainly learned that military might is not the best way of achieving their objectives, but the principle of oppression and the brutal exercise of power leading to enslavement (in this case financial bondage) is the same.

The traditional north-south divide still underpins the Greek crisis, as German efficiency is contrasted with perceived Greek fecklessness."

Biblical principles governing finance show that to profit from the enslavement of others is the worst of crimes! But this is what the euro nations are doing to Greece – they are virtually enslaving them! What they don't realise is that they are creating a situation that will bring disaster, not just upon Greece, but upon the whole of Europe. Unrighteousness has a day of reckoning! Europe is stoking up a mountain of debt in Greece that will become a volcano which will eventually erupt and pour its lava across Europe because the whole system is built upon unrighteousness, exploitation, and enslavement.

Justice in Right Relationships

God has built into his Creation principles of justice. When they are ignored they bring disaster upon those who defy the truth that it is right relationships which bring prosperity and well-being. Michael Schluter in his book After Capitalism – Rethinking Economic Relationships says that the current financial crisis is a result of a sustained culture of debt which is based upon 'reward without responsibilities', 'investment without involvement' and 'profit without participation'.¹

In all our dealings, whether of a financial or social nature, the most important thing is our relationship with others. Ezekiel, the Prophet of the exile in Babylon, taught the people about the importance of right relationships with God and with each other. Ezekiel 18:16-18 says that the righteous man: "does not oppress anyone or require a pledge for a loan. He does not commit robbery but gives his food to the hungry and provides clothing for the naked. He withholds his hand from mistreating the poor and takes no interest or profit from them. He keeps God's laws and follows his decrees."

These are the biblical principles which establish righteous financial policies based upon just and merciful relationships which the nations of Europe should be following. This would ensure justice for the poor in times of hardship and shared prosperity. These biblical principles are already there in the Christian heritage of Europe which has been largely abandoned in the age of secularism that has swept the Continent. The only real hope for the future prosperity of Europe is to reassert the principles of righteousness in our biblical heritage.

References

1 Jubilee Centre, Cambridge, 2012, p24.

How to pray as the Greek crisis goes global...

This weekend the leaders of all the countries that are part of the European Union have been called together to consider how to deal with the so-called "Greek Crisis". The referendum held by the Greek Government last Sunday produced a resounding 'NO' to the austerity measures which the Euro club countries are trying to force upon them.

The people of Greece have said "Enough is enough"! Years of austerity have done nothing to improve the national economy crippled by debt. It has simply increased the unemployment rate so there are less people able to pay taxes and the country has become poorer and poorer. But the powerful nations of Europe, led by Germany and the European Central Bank, are blindly demanding yet more austerity.

You don't have to be an economist to know that if the present policy is not working it is sheer madness simply to press on enforcing the same policy with even greater stringency! The ordinary people of Greece have recognised this, and they have bravely determined to confront the bankers and say "Can't Pay: Won't Pay!" (It would be even better if they said Can Pray: Will Pray! But of course, you have to know how to pray and what to pray for!).

You don't have to be an economist to know that if the present policy is not working, it is sheer madness to press on enforcing it with even greater stringency."

Underlying Crisis

Of course, there's lots more to it than that! Most Greeks are aware that there is great need for reform in their national lackadaisical approach to the duty of ordinary citizens to pay their taxes, and that there is endemic corruption in their political system. But they have also been the victims of grossly corrupt banking practices on a global scale. Their banks have been used for sharp practices by Russian oligarchs as well as their own wealthy Greeks, whose sudden withdrawal of investments triggered the crisis.

But what began as a problem for a national bank in one country has now become a crisis threatening to unravel the whole of the European Union and the stability of NATO which has an effect upon east-west relationships that is causing great concern in Washington. If Greece leaves the Euro and turns to Russia or China for help in coping with its financial chaos, this will have an immediate effect upon the balance of world power.

The People Revolt

There are similarities here with the peasants' revolt in 18th century Britain over the inflated price of bread, due to imported corn being cheaper than homegrown corn. Their protests threatened to destabilise the nation at a time when Britain was at war with half the world. So too the peasants' revolt in Greece is likely to have far wider ramifications.

It is time to recognise the fundamental weakness of the whole capitalist system that has built up vast sums of national debt that struggling national economies are unable to meet. Greece is not alone in facing a burden of debt that is beyond any possibility of being repaid. If the International Monetary Fund cancels even part of the Greek debt, others will demand equal treatment. Already there are strong anti-austerity protests in Portugal, Spain and Italy. The unfairness of the whole debt-ridden world economy hits the poor harder than the rich. The peasants' revolt in Greece is likely to spread like wildfire across Europe. This is the fear gripping European bankers.

It's time to recognise the fundamental weakness of the whole capitalist system: Greece is not alone in facing a vast burden of debt that is beyond any possibility of being repaid."

Unjust System

Karl Marx was surely right when he said that capitalism contains within itself the seeds of its own destruction. You don't have to be a Marxist or even an anti-capitalist to recognise the truth of this statement. There is something fundamentally unjust in a system that allows 1% of the population to live on vast excesses of wealth whilst the rest of the population struggles to make a living, many experiencing malnutrition and disease which could be eliminated if there were a fairer system of wealth distribution.

The Bible foretells a day when God will deal with this injustice. He will humble the proud and lofty, according to the prophet Isaiah (2:12-21). The oppressors will be overthrown and God's justice will be seen. Maybe the Greek crisis is part of God's plan to allow the whole financial system to collapse, so that his justice can be established. Christians should be careful not to pray against the great shaking of the nations. If this is how God is working out his purposes, we must trust him.

Christians should be careful not to pray against God's purposes being worked out. We must learn to trust him."

Right Prayer

If you pray "Peace, Peace" when God is saying "There is no peace" – you put yourself against God! The next verse in Isaiah 2 says "Stop trusting in man, who has but a breath in his nostrils. Of what account is he?" If our trust is really in God we can trust him with our lives – even if we are nervous of how we are going to survive the storm.

If God is at work shaking the nations, it is wrong to ask him to stop the shaking. The right prayer is to ask God to fulfil his purposes and to make the shaking effective! He will certainly take care of those who put their trust in Him.