Showing posts with label borrowing. Show all posts
Showing posts with label borrowing. Show all posts

Saturday, February 07, 2015

Borrowing Has Its Risks -- Exodus 22:14-15


“And if a man borrows anything from his neighbor, and it is injured or dies while its owner is not with it, he shall make full restitution.  If its owner is with it, he shall not make restitution; if it is hired, it came for its hire.”
 
Two verses dedicated to borrowing rules.  You borrow it, use it, and if you break it or harm it (or kill it if it is an animal), you do so at your own expense and you will be responsible to compensate the owner for it. Unless of course, the owner was with you when this happened.
Here’s an example of how this may work out today:  “Yes, you can borrow my extra pair of skis while we ski together this weekend, and if they break, no problem.  But if you borrow them again to go skiing with your friends when I can’t and they break, you have to replace them.”
Chuck Smith suggests that the last two phrases of this passage, namely “if it is hired, it came for its hire,” are, because they are part of the whole last sentence implying that if someone borrowed or hired you and your equipment or animal (to till the ground or for any other purpose) and the equipment or the animal is damaged or ruined (or killed), then that was a known inherent possibility in the deal and since the owner was present, the borrower or the one that hired you and your equipment or animal is not responsible.  Again, if I borrowed your pick-up truck to move some furniture, and it broke down – I have to fix it.  But if I asked you (or hired you) to bring your truck and help me move some furniture, and it broke down, I am not responsible morally to pay the costs of fixing it.  (Unless, of course, I go over and above what the law says.)  When the owner is present, the user is not as responsible.
Bottom lines continue to be: Lender, be aware of the risks.  Borrower, be responsible when the risks occur.
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Saturday, January 31, 2015

Be Careful What You Borrow From, or Be Safekeeping For, Others -- Exodus 22:7-9:


“If a man gives his neighbor money or goods to keep for him, and it is stolen from the man’s house, if the thief is caught, he shall pay double.  If the thief is not caught, then the owner of the house shall appear before the judges, to determine whether he laid his hands on his neighbor’s property.  For every breach of trust, whether it is for ox, for donkey, for sheep, for clothing, or for any lost thing about which one says, ‘This is it,’ the case of both parties shall come before the judges; he whom the judges condemn shall pay double to his neighbor.”

 
I was telling a friend of mine that a snow-blower I share with two neighbors was in the shop for repairs.  One of the owners thought we could save money by letting him do last year’s end-of-season cleaning and storage.  Not so.  My friend, before he knew the machine was jointly purchased, said, “Surely, you don’t loan things like that to others, do you?”
The truth is, it took me close to five decades of life before I realized that even a brand new automobile that I purchased was not really mine, but a blessing from God for me to share with others.  Up to that point, I’d drive you anywhere you wanted to go, but don’t ask me to lend you my car.
But here we have a little different spin, not so much on the lending of things, but more on asking others to safe-keep valuables for us.  And interesting enough, the major focus of these three verses is not on the owner, but on him who agrees to keep things safe for us.
Now, true to form with respect to previous laws God had given, if you ask someone to keep something for you and it gets stolen from their possession but the thief is caught, the thief will pay double.  No problem there.
But what happens if the thief is not caught?  Well, it appears that the first suspect is the person you asked to take care of your valuables.  And he/she needs to be cleared first. The implication is that the person responsible for keeping the owner’s goods safe appears before a judge.  But, in today’s terms, how does he/she get there except that the owner of the goods lays charges against them?  Now what?  Is that what we are to do?
First of all, remember that today one remains innocent until proven guilty and that has to be beyond reasonable doubt.  Secondly, assuming the individual to whom you turned your possessions over for safe-keeping was a friend or a relative, accusing them through the legal system is a pretty sure way of ending any relationship you may have had.  Finally, if, like you, the other person was a Christ-follower or believer, then you are instructed elsewhere in Scripture not to take him/her to court.  So what can you do?
There’s an adage in Human Resources dealing with problem employees that goes like this: “The best time to fire someone is before you hire them.”  The point is that if we are not prepared to lose something (or have it damaged) that we lend to someone else or something that we ask someone else to safeguard for us, we should never be lending it or asking them to guard it.
As we can see from the rest of the passage, the issue is first and foremost about trust.  We lend things or ask others to take care of them for us because we trust them to be able to do so.  If they do not, we are the ones that erred in our estimation of the person’s integrity or ability to do so.  We cannot blame them or at least doing so would only get us so far – in the wrong direction.  That said, borrowers of integrity would normally, of their own accord, actually replace anything lost or damaged that they borrowed.
However, if we do pursue court action, and the person is found willfully negligent or criminally involved in the loss or damage of the goods, and the courts so find, then he/she shall be required to pay whatever the judge levies on them.  While the Old Testament calls for double-payment, unfortunately in today’s world, we cannot demand it.
As those with whom people entrust their valuables to for safe-keeping, we also have a great responsibility, assuming we are willing to do so, to do all in our power in protecting the owner’s property until it is returned to him/her.  David Guzik suggests that this is required of us as faithful stewards or managers, and it includes what God gives us to manage or steward for Him.
Bottom line, let’s live by these principles: Think carefully before you lend something to others or ask them to keep it for you for a while, and consider whether you are prepared to lose it.  And, think carefully before you accept the responsibility of borrowing someone else’s goods or guarding their possessions.
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 [Are you looking for a speaker at your church, your club, school, or organization? Ken is available to preach, teach, challenge, and/or motivate. Please contact us.]

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Sunday, January 18, 2015

God’s Laws Regarding Theft -- Exodus 22:1-5

“If a man steals an ox or a sheep, and slaughters it or sells it, he shall pay five oxen for the ox and four sheep for the sheep.  If the thief is caught while breaking in, and is struck so that he dies, there will be no blood guiltiness on his account.  But if the sun has risen on him, there will blood guiltiness on his account.  He shall surely make restitution; if he owns nothing, then he shall be sold for his theft.  If what he stole is actually found alive in his possession, whether an ox or a donkey or a sheep, he shall pay double.  If a man lets a field or vineyard be grazed bare and lets his animal loose so that it grazes in another man’s field, he shall make restitution from the best of his own field and the best of his own vineyard.”

Exodus chapter 22 begins with laws on how those that are involved in various types of theft are to be treated. To begin with, contrary to what liberal minds may think, stealing is not a God-given right regardless of one’s circumstances.  Responding in forgiveness may well be encouraged, but the activity that initiates the need for forgiveness, is not.  The Bible calls for some restitution or repayment for theft.
We note in verse 1, that God calls for different amounts being paid as restitution for a stolen (and killed or sold) ox versus the amount paid for a stolen sheep.  Expositor John Gill (who preached in the same church as C. H. Spurgeon over one hundred years earlier) says this about the reason for the difference:
“ . . . because the one was more valuable than the other, as well as more useful, and also more easily stolen, and therefore the greater mulct or fine was laid upon the theft of it, to deter from it: the Targum of Jonathan expresses the reason of the law thus; five for oxen, because the theft of them hindered from ploughing, or made to cease from it; and for sheep but four, because there was trouble in the theft of them, and there was no tillage or agriculture by them: and Saadiah Gaon observes, that the damage that comes to the owner of the ox is more than that by a lamb, because with it, the ox, he ploughs, which is a creature that was used in those countries to be employed in that service, as well as in treading out the corn: Maimonides accounts for it thus:
“The restitution of the theft of oxen is increased by one, because the theft of them is easy; sheep are fed in flocks, and are easily kept and watched, and can scarcely be taken away by theft but in the night; but oxen are fed scattered here and there, and therefore cannot be so easily kept by the herdsmen; hence also their theft used to be more common:”
“Fourfold restitution was in use with the ancient Persians, with whom it was a rule,
“Whoever took any substance of another, in retaliation they took fourfold from him, and if he restored it, he gave fourfold of the same.''”

The text then turns to a matter of great debate of late.  What happens when the owner of the property kills the thief during his attempt to steal?  Or put another way, “do I as a guardian of my home and family, have the right to attack and perhaps kill an intruder in my home or on my property who is clearly stealing?”  I do not venture to answer the question from a legal standpoint – as I not a lawyer.  I will leave that to my friends.  But the Bible clearly states that in such a case, “there will be no blood guiltiness on his (the dead thief’s) account”.  John Gill explains it this way:
“There shall no blood be shed for him: as for a man that is murdered; for to kill a man when breaking into a house, and, by all appearance, with an intention to commit murder, if resisted, in defense of a man's self, his life and property, was not to be reckoned murder, and so not punishable with death: or, "no blood" shall be "unto him"; shall be imputed to him, the man that kills the thief shall not be chargeable with his blood, or suffer for shedding it; because his own life was risked, and it being at such a time, could call none to his assistance, nor easily discern the person, nor could know well where and whom he struck.”
This interpretation of the verse goes far into outlining some of the key considerations one must look at today in such cases, including: What would have been the intention of the thief if and when his/her action was resisted? Was anyone’s life at risk? Was other help available? Did the one that kill the thief know what he was doing? Etc.  (I am reminded of the case of Oscar Pistorius, the famous “Blade Runner” who is charged with killing his girlfriend in the bathroom because he thought the person in there was an intruder. He went to prison for five years at the end of 2014.)
Matthew Henry on the other hand, suggests the following on the interpretation of verse 2:
“He that does an unlawful act bears the blame of the mischief that follows to others, so likewise of that which follows to himself. A man's house is his castle, and God's law, as well as man's, sets a guard upon it; he that assaults it does so at his peril.”
But God’s rules on this now add another dimension – that of time of day.  If the attempt to steal took place during the day, the “blood guiltiness” referred to above would be paid by him (supposedly the owner of the property, or perhaps a servant) who killed him.  The idea is that we must be considerate of all life, even of those who we know or believe to be evil.  Our reparation must not come from our vengeance, but from the legal system, and especially for Christians, from our God.  When we take the law into our hands beyond that, we start to stand on shaky ground.
So, where possible, we are to “catch the thief” but not kill him.  And then in that case, as he is still alive, he must make restitution for all he has stolen.  And if he can’t afford it, he then is to be sold (one assumes into slavery) and the money goes to the owner of the property he stole.
And still more twists to the law: if he stole animals and they are found alive, that is the thief is caught red-handed with the goods, he shall pay double the amounts he otherwise would have paid.  Interesting, but why? Matthew Henry explains it like this:
“Thus he must both satisfy for the wrong and suffer for the crime. But it was afterwards provided that if the thief were touched in conscience, and voluntarily confessed it, before it was discovered or enquired into by any other, then he should only make restitution of what he had stolen, and add to it a fifth part, Leviticus 6:4,5.”
So, there is clearly an advantage to admitting and pleading guilty if indeed it is a true confession, rather than a forced confession.
Finally, we are told that if one simply uses things that are not his to use, without permission (a form of stealing one might say), then he repays from the best of his own possession or equivalent.  I live with two of my granddaughters.  They borrow each other’s stuff (clothes, accessories, etc.) without each other’s permission.  Needless to say that the volume of discourse rises greatly depending on whether the owner wanted to use it that day herself, if the borrower misplaced it, or if the borrower damaged it or worse still, lost it.  Whereas my solution would be to ban all so-called “borrowing”, God’s approach seems to indicate that the ‘owner’ could then help herself to the best of the ‘borrower’s’ goods.  But then again, my ways are not necessarily His ways.
For us, the facts remain: we are not to steal, we are to know how to deal with those that do, and in all cases, we are to make restitution for things we have taken or misused or lost that belong to others.

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[Are you looking for a speaker at your church, your club, school, or organization? Ken is available to preach, teach, challenge, and/or motivate. Please contact us.]

Thanks for dropping by. Sign up to receive free updates. We bring you relevant information from all sorts of sources. Subscribe for free to this blog or follow us by clicking on the appropriate link in the right side bar. And please share this blog with your friends. Ken Godevenos, Church and Management Consultant, Accord Consulting.  And while you’re here, why not check out some more of our recent blogs shown in the right hand column.  Ken.


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