Surety | Knowable Word

Take People to the True Savior

November 18, 2013 By Peter Krol

The first of three kinds of fool in Prov 6:1-19 is the Savior. Foolish saviors insert themselves between people’s choices and the consequences of those choices.

The wise know that the need for rescue is urgent, but there’s only one who can carry it out. There’s a savior, and I’m not he. Needy people most need to fear the Lord. They need to know Jesus and trust in the saving power of his death in their place and his resurrection to glory. If the Lord brings adverse consequences to draw people closer to him (Prov 3:11-12), then I’m keeping them away from God when I buffer them from those consequences.

Proverbs 6:1-5 isn’t for only those who cosign loans.

You might be the “savior” if you:

Let other students copy your homework.
Love when people talk about how much you’ve helped them.
Believe answering a phone call or text message is more important than anything, because this person needs you right now!
Have friends who keep coming to you for accountability, but nothing ever changes.
Are bitter because you’re always helping others but they’re never helping you.
Are proud because you’re the first one people turn to when they need help.
Are overwhelmed by how many people need your help.
Participate in service projects to feel better about yourself.
Claim to be a Christian, but you’re dating a non-Christian, and you think your partner might not go to church if not for your relationship.

None of these things necessarily makes you the foolish “savior.” But if there’s a pattern, you may be in danger. Ask others if they think you rescue people too much.

Hamed Saber (2006), Creative Commons

Jesus came for the sick, not for the healthy. If we take Jesus’ place as savior, we merely prolong the illness. People will never see their need and turn to him. But if we speak as Jesus’ ambassadors, letting him do his work in people’s lives, we get a front-row seat to his display of mercy. In helping to meet any need, our goal should always be to point people to Jesus and not to ourselves. Sometimes imaging Jesus means rescuing a child from a burning building. Other times it means allowing the child to touch the hot stove. In either case, we must take the burned one to Jesus, the only true savior.

The main problem is that people often don’t want grace; they want a bailout. They don’t want their feet held to the fire; they want their hands held. They want safety, not responsibility. They want an easy life, not a free gift. They want stability, not sacrifice. They want to subsidize their lifestyle, not change it. They want a nanny, not a neurosurgeon. So they ask for our help, while rejecting what would actually help.

So, in Jesus’ name, you can:

Lavish mercy without dulling the pain of their choices.
Participate in service projects to help others and not to assuage your own nagging guilt.
Meet financial needs by donating instead of co-signing.
Introduce your non-Christian partner to others who will speak of Jesus; then get yourself out of the way.
Offer tutoring instead of sharing your homework.
Let the call go to voicemail and return it at another time.

And remember that Jesus died for “saviors.” If you keep getting in the way of his saving work in others’ lives, he’s not ready to give up on you. If you love him, he promises to conform you to his image, and he won’t ever let you succeed at replacing him.

Question: Where do you see the “Savior” in your heart, and what would it look like to represent the true Savior instead?

The Savior Saves Because He Wants to Help

November 11, 2013 By Peter Krol

Last week I examined the Savior, the first of three kinds of fool in Proverbs 6:1-19.

At first glance there appears to be little connection between our world and this ancient practice of co-signing someone’s debt. At least that’s what I thought, until the day I led a Bible study on this passage and a girl broke down in tears because her parents had charged thousands of dollars to credit cards in her name. She had always thought it was good for her to rescue her parents by using her own unsullied credit to give them more margin. If she hadn’t, they might not have been able to make a mortgage payment. They might lose a car or their furniture. They might not be able to afford college tuition for her siblings.

Becoming surety, or co-signing loans, is actually so common today that we struggle to believe it’s problematic. Parents co-sign education loans for their children. Young adults share credit cards with their parents. Credit card companies (or other financial service providers) require entrepreneurs to sign a “personal guarantee” on a corporate line of credit. In the event that the business should go bankrupt, the credit card company can require the executive to repay the company’s debt from his personal assets.

Now one could make a case that Solomon never states explicitly that it’s wrong to co-sign a loan. He says only that you should deny yourself sleep until you can get out of the deal. One could also propose that it’s okay to co-sign for a family member since the borrower Solomon has in mind is a “stranger” (Prov 6:1). But I don’t suggest banking your opinion on that single word. It’s parallel to “neighbor,” which has quite a broad range of meaning. (See Prov 3:28.)

However, instead of debating the wisdom or folly of co-signing loans in certain situations, I would prefer to ask a more foundational question. Why does Solomon make this into such a big issue? Out of all the possible money-issues he could focus on, why warn against co-signing loans? Why not prohibit false weights and measures in the marketplace? Why not expose the evil of materialism? Why not denounce theft, bribery, extortion, larceny, or tax evasion?

The answer to these questions lies in yet another question: Why would a person even consider co-signing a loan? Why do people do it, when they know the risk is so great? Those who co-sign loans lack sense (Prov 17:18) and will surely suffer the loss of their own property (Prov 11:15, 22:26-27), so what could motivate someone to do it?

It’s simple: If a person I care about has a need, then I want to help.

Marc Falardeau (2011), Creative Commons

Perhaps the person in need has no one else to turn to. Maybe this person has exhausted every option. Perhaps bad luck and bad timing have collided in this person’s life, and I’m in a position to make it better. If I can help my loved one regain equilibrium, then I’ll have done my part. I can make the world a better place, and at least one person will thank me for it.

Note Solomon’s assumptions. Of course it’s important that we love others more than ourselves (Prov 3:27-35). Yes, we must image the Lord by helping those in need. But there are times when the best help we can offer is not to help. In other words, sometimes it’s unloving to rescue people from the consequences of their choices. And co-signing a loan is one of those times.

Wise people know that the need for rescue is urgent, but there’s only one who can accomplish it. There’s a savior, and I’m not he.

Question: How do you struggle with the temptation to rescue needy people?

Fool #1: The Savior

November 4, 2013 By Peter Krol

Proverbs 6:1-19 describes three kinds of fool.

The first fool is the Savior. This person really, really loves people. Especially needy people. Especially needy people who keep having needs. This person will bend over backwards to meet a need. The Savior will joyfully sacrifice time, money, and energy to help people with their problems. But…the problems never go away. And the people with problems multiply. The Savior attracts them and feels really good about it.

I am this fool. If you’re honest, you probably are, too.

My son, if you have put up security for your neighbor,
Have given your pledge for a stranger,
If you are snared in the words of your mouth,
Caught in the words of your mouth,
Then do this, my son, and save yourself,
For you have come into the hand of your neighbor:
Go, hasten, and plead urgently with your neighbor.
Give your eyes no sleep
And your eyelids no slumber;
Save yourself like a gazelle from the hand of the hunter,
Like a bird from the hand of the fowler (Prov 6:1-5, ESV).

The ancient world had no banks, no wire transfers, and no lines of credit. If you had no cash (in the form of coins), you had no net worth. You might be able to buy some life essentials with livestock, cloth, or labor, but otherwise you were likely to need a loan of some sort.

Tilemahos Efthimiadis (2006), Creative Commons

Another institution unfamiliar to the ancient world was the credit bureau. If you wanted to borrow money from me, I couldn’t run a credit check to prove your ability to repay the loan. So to lower risk, I could only get a sense of your character by talking to your family and friends. But to be really safe, I would require two signatures on the loan papers – one from you and one from your surety. Your surety was the person who promised to pay me back if somehow you found yourself unable to do so.

In Prov 6:1, Solomon writes to the person who has become the surety for another. He addresses the one who “put up security” and gave a pledge to repay someone else’s loan in case of default.

What’s at stake for this person? As a surety, you have “come into the hand of your neighbor” (Prov 6:3). If the borrower defaults, you become obligated to pay the debt. You have become a slave to someone else’s circumstances, and you ought not rest until you free yourself (Prov 6:4). You’re road kill unless you find a way out (Prov 6:5). You should not make such pledges. If you already have, nullify them at all costs.

This sort of Savior wasn’t limited to ancient Israel. Next week I’ll show how he’s still thriving and saving today.

Question: Where do you see the “Savior” in our generation?