A SERMON FOR THE 8TH SUNDAY AFTER PENTECOST
Credit cards can be a good thing
or a bad thing. They allow us to get
through those occasional bad times in life when we’re not making ends meet, and
of course they give us the opportunity to buy things we can’t afford to pay for
all at once. Whenever we use a credit
card though, we put ourselves in danger.
The ridiculous amount of interest the banks charge actually amount to
usury, a sin which is condemned by the Church.
But the banks don’t particularly care that the Catholic Church frowns
upon their practice and as a result it is we borrowers who run the risk of
falling afoul of their greed. These
banks are so disinterested in our wellbeing that when people can’t afford to come
up with their minimum monthly payment, they’re slapped with late fees and other
penalties that drag them even further into debt.
We should remember, even as we
disparage this unfortunate side of capitalism, that there is some small element
of justice in the way the banks operate.
After all, when we borrow their money, they’re losing the interest and
benefits they would otherwise be making from that money. They also incur expenses in running their
lending business, with many overheads for property, employees, insurance and so
on, not to mention the risk they run that we won’t be able to pay them
back. So they are entitled to
some compensation in the way of interest, though not, of course, in order to
amass the exorbitant profits they make at our expense.
In itself, it is not sinful to
lend out money or other goods. Morally
speaking, it might be more charitable if the lending were done without any
interest attached, but in justice you are entitled to the repayment of expenses
incurred by reason of the loan. Nor is
it sinful to take out a loan, to borrow money, providing we have the
sincere intention of paying it back. That
applies whether we’ve borrowed money from a bank or from our grandmother. We owe it, and we must, in justice, pay it
back. The excessive interest charged by the
bank may give us some leeway in how much we are morally obliged to pay back ,
but at the very least we owe them the original amount we borrowed, plus some
interest to cover their costs of doing business. As for grandmas, they usually don’t charge
any interest at all and probably won’t hound you with lawsuits if you can’t
afford to pay them back. But somehow,
this just seems to increase the moral obligation of giving Grandma back her
money, doesn’t it?
It’s not a nice position to be
in, owing people money, or anything else for that matter. It’s a weight that hangs over our head until
the debt is repaid. We know we have to
pay what we owe, but that isn’t always easy.
Nevertheless, the relief we feel when a debt is paid back can make it
worth the while.
But what about God? Do you think, maybe, we owe God
anything? Has God given us anything that
he expects to be returned? If I gave you
time to write a list, I’ve a feeling it would take you a very long time to
complete it. It’s a list that goes on and
on. But maybe there are some of you who
would object, and tell me that, no, God doesn’t lend us things, he gives
us things. Really? Are the nice things we have just “free gifts”
from God, who expects us to do with them what we want? Does he nod in approval when we abuse these
gifts? If you give your child a birthday
gift, a box of crayons for example, and he then uses those crayons to write
graffiti all over your living room wall, would you be happy with that? No.
You would expect that the child use that gift in the way you intended
him to, with the freedom certainly, to choose whatever crayon he wants to color
whichever picture in his coloring book he wants, but not to write his name on
his baby sister’s face.
All good things come from above. They are given to us by God to use
freely. Freely in the sense that we may
use them wisely and according to the will of God. But we must repay those gifts by doing just
that. We must never abuse any of these
gifts from God, and don’t forget your list—these gifts comprise everything
that is good in our lives. Let each one
of us think upon what he has, and evaluate the wisdom with which he uses it,
from money to parents, from our home to our jobs to our health, from our mind
to our body. Let us shrink away in
horror from the very idea of ever abusing any gift from God.
Unfortunately, temptation rears
its ugly head from time to time. If ever
there’s anything that makes us indebted to God, it’s our offenses against him
and the abuse of his generosity. We were
born owing God. From the moment of our
conception, even, the stain of original sin of our first parents required us to
be washed from that sin in the waters of baptism. To be baptized into the Catholic Church is
the very first debt that a human being repays to God. There then follows the beautiful part of our
life when we owe God nothing. If we die
during these blessed years when we know not sin, we will go directly to heaven
because there is nothing to repay. Not
only are we incapable of sinning in these early years, but we are also
incapable of abusing God’s gifts—sure, we take everything we’re given, by our
doting parents, and let’s not forget Grandma again! But we don’t abuse what we’re given. At least, not intentionally. A child may have his moments, the odd temper
tantrum for instance when he throws his dirty spoon on the carpet, but he isn’t
necessarily doing so in an immoral way, it’s just human nature developing
slowly into rational behavior. Some of
us are still developing, we haven’t quite made it there yet. But little children live in a special and
blessed paradise of their own, always just one step away from entering the
actual paradise of heaven.
Imagine though the adult who
continually falls into sin. Sometimes,
he falls after fighting temptation, other times, he doesn’t even bother to
fight temptation, but simply accepts every wicked thought that comes into his
head, seeking pleasure and self-gratification above all else. No matter what kind of person we are, we all eventually
fall into sin. We plunge ourselves into
debt! So let’s make another list, one
we’ll keep to ourselves of course—how much do you think you owe God today? Think back at all the sins of your life, the
bad behavior, the wasted opportunities to do good. Tell me then that you owe God nothing.
With this in mind, we turn to the
problem of paying him back. How is it even
possible? Strictly speaking, the answer
is that it isn’t. Which is why God gave
us us the greatest gift of all, the gift of Redemption. He has redeemed us by the Precious Blood of
his Son, our Lord Jesus Christ. There is
nothing we can do to pay this gift back , but like a good Grandma, God isn’t
going to insist that we do anything more than we’re capable of. And what are we capable of doing? Well, like Grandma, God loves us. This love is the free gift par excellence,
the gift that sums up and is the source of all the other gifts we listed
earlier, including Redemption. And all
that God asks in return for his love is our love. If we love God with all our heart and mind
and soul and strength, we are giving back to God all that we can. We are repaying him in the best way we know
how. So let’s obey the laws he gives us,
let’s use all his other gifts wisely, and let’s commit ourselves to loving God
as perfectly as we can. That’s all the
payment he wants.