Forever Rich, Chapter 7

When Free Becomes Expensive


Giving money to the poor has the potential of keeping them poor. Not understanding that, many well-meaning Christians have inadvertently hurt those whom they’ve wanted to help. I first began to understand this back in the late 1980s, when I had an opportunity to travel inside the Eastern European nation of Romania, taking a trip that gave me an education on the economic “advantages” of communism.

Romania was then suffering under its fifth decade of communism. It was a nation that was crumbling. I saw empty store shelves, food lines, and the dreary faces of people in survival mode.

One of the few happy people whom I met in Romania was an elderly pastor who lived in a weathered little wooden house in a rural village. He was, in fact, bubbling with joy, and he told me that the reason he was so blessed was because he loved God with all his heart, mind, soul and strength. Visiting with him was a delight.

Pastors were considered societal parasites in Eastern Europe during those years, and so he, like all pastors, was required to work at a daily job that was thought by communist leaders to be of some economic value. He had been assigned to work with a crew of loggers. He told me that each day his crew would hike out into the forest, cut down trees for three hours, and then lie down and sleep on the forest floor for the remainder of their shift.

I asked him the reason for such an extended daily work break. He explained that if his crew cut down more than their required quota of trees on any given day, their daily quota would be increased. And they would not receive any increase in pay since the government set all wages, and everyone in Romania was supposedly equal. So that joyful, blessed pastor who loved God with all his heart spent his afternoons sleeping in the woods!

His story illustrates a universal human trait: Unless we are motivated by some noble cause, we will always choose the easiest option. That Romanian pastor did not consider lining the pockets of communist bureaucrats to be a noble cause. If he, however, would have had a guarantee of earning more money in exchange for more work, he would have worked harder, as he would have been motivated by love for his wife and children to be a better provider. He may have also been motivated by love for the poor with whom he could share a portion of his earnings.

Communism utterly kills people’s motivation to work harder, because the harder-working laborer receives no benefit. Socialism has the same effect, just to a lesser degree. Why should I work harder if most of my increase is taken by the government and given to someone else who is unwilling to work?

Putting Yourself in His Romanian Shoes

What would you have done had you been that Romanian pastor? If you don’t know, I can help you.

Imagine for a moment that you were looking for a job and were offered two identical opportunities, but one job paid more than the other. Which would you choose? You would, of course, choose the higher-paying opportunity simply because it offers you more money for the same amount of work.

Now back to that Romanian pastor. He was similarly motivated, except there was a ceiling set on his earnings. So he chose the “higher paying job”—the one that required less work for the same amount of earnings. If you or I had been that Romanian pastor, we would have been sleeping in the woods every afternoon, too.

Let me take this one step further. What if you were offered two opportunities to gain $1,000, one that required one week’s labor, and one that required no labor? I suspect you’d take the second offer, the gift of $1,000. Again, unless we’re motivated by some noble cause, we naturally choose the easiest option.

Understanding this helps us realize what we don’t want to do for the poor if we truly want to help them, and that is, continually give them something for nothing. A flow of well-intentioned charity can ensure perpetual poverty. We should not wonder why the poor have no motivation to work when we feed, clothe and house them without requiring any work from them. Like the former communist government of Romania, we effectively kill any motivation they may have had before we arrived with all our good intentions.

Government charity is of course no different than private charity. If by working people are not able to earn significantly more money than they can gain from collecting welfare checks, they will have absolutely no motivation to get “off the dole” (as they say in Britain).

Help that Hurts

When it comes to dealing with the truly poor in less-developed nations—those whose poverty is appalling by comparison to what is labeled as poverty in the more-developed world—we have a natural tendency to compassionately empty our wallets to instantly meet their glaring needs. But the beneficiary has been taught a lesson that he will not soon forget: The easiest means to money is to be friends with rich people from other countries. That is the breeding ground for all sorts of evil that aid organizations and compassionate people frequently find themselves facing, evils such as deception, flattery, and bad reports about other “less-worthy” beneficiaries.

Beyond that, expectations and dependencies are slowly created, and as benefactors slowly grow weary of feeding the ever-increasing appetites of the monsters they’ve created, they ultimately stop their flow of charity. In the bitter end, benefactors find themselves accused of “betrayal” and “cold-heartedness” by their former beneficiaries—who have already begun to search for their next benefactor.

Before I continue, let me quickly affirm that needy people who are unable to earn a living for themselves, such as orphaned children, elderly widows, those who are significantly handicapped or oppressed, and those with no earning opportunities, are in a different category. They need a flow of charity, at least temporarily. Similarly, those who suddenly find themselves in desperate situations, such as victims of natural disasters or war refugees, need immediate handouts in the form of food and shelter. Yet even in those cases, relief needs to transition to development as soon as possible. And although I hoped to avoid using the worn-out cliché about the comparative benefits of giving a man a fish versus teaching him to fish, there is no better illustration of what I’m talking about. Development is better than relief.

It is not always quite so simple in the real world, however, because chances are the man already knows how to fish, and he is already fishing, but he is only catching enough fish to barely feed himself and his family. What he needs is a boat and a net so he can catch more fish, and he needs a nearby market where people would be willing to buy his fish.

So how do we get that man the boat and net he needs? We have two good options. We can either give or lend him money to purchase the tools a fisherman needs. If we give him money, from the outset the profits from his new venture don’t have to be split between meeting his own needs and making loan payments. He may not, however, be as careful to take care of the tools that cost him nothing, and he may not work as hard to ensure his success. What costs nothing is often valued accordingly. If he fails, he hasn’t lost anything, and is only back to where he was before he started. He may assume that if he fails, his benefactor will be there to bail him out again.

If, however, we lend him money at interest to purchase a boat and net—and even require some collateral—he is then motivated to carefully consider his business plan, weigh his risk of loss, and work very hard to succeed. He is personally invested from the start. Moreover, if he repays his loan, we can then help another needy fisherman to buy a boat and net, and then another, and another and another. If he refuses to take a loan (at a reasonable interest rate), it might be a good indication that he doesn’t believe he can succeed in the proposed business. The willingness of people to take loans and put up collateral can be an excellent litmus test of their chances of success.

Learning these things from our experiences and the experiences of others, Heaven’s Family is focusing more and more on establishing micro-banks. These banks not only provide start-up capital via loans for enterprising believers, but they also provide income for micro-bankers via the interest that their little banks earn.

Liberating the Lazy

If we truly want to help the poor, we should never do for the poor what they can do for themselves. Years ago I can remember traveling with my church’s youth group to Appalachia to repair run-down houses of the poorest people I had ever met up until that point in my life. The people spoke English, but we were barely able to understand them because of their thick mountain accents. And I remember how we marveled that the residents would just sit and watch us repair their leaky roofs and sagging porches. We never required them to join us in our work, and they were happy to drink our lemonade and not get in our way.

If I had to do it all over again, I would start by asking homeowners if they had any roof leaks. If they said “yes,” I’d offer them a few shingles, some roofing nails and a can of tar if they would promise to go to work immediately on fixing their leaks while I watched.

Scripture says, “If anyone is not willing to work, then he is not to eat, either” (2 Thes. 3:10). That is plain and simple, and it is just as much a biblical commandment as are all the commandments to give to the poor. The apostle Paul believed in that commandment so much that he worked just to set a good example, even when he had the right to be sustained by the offerings:

For you yourselves know how you ought to follow our example, because we did not act in an undisciplined manner among you, nor did we eat anyone’s bread without paying for it, but with labor and hardship we kept working night and day so that we would not be a burden to any of you; not because we do not have the right to this, but in order to offer ourselves as a model for you, so that you would follow our example. For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either (2 Thes. 3:7-10).

Under the old covenant, field owners were forbidden to gather the gleanings from their fields during the harvest, but to leave what remained for the poor (see Deut. 24:19-21; Lev. 19:9-10). Take note, however, that if the poor were to benefit, they had to work to gather the gleanings. Field owners didn’t deliver gleanings to their doorsteps.

God set a personal example in that regard, freely pouring manna from heaven six days a week for the needy people of Israel as they journeyed to the Promised Land. He required, however, that they gather it. Those who didn’t work didn’t eat. There was no such thing as a free lunch from God.

We read in Acts 6 of the early church’s efforts to take care of widows by means of a daily feeding. It didn’t take long before the apostles were plagued by the universal dilemma that always stalks the generous: More needy people started showing up for their handouts. Those widows in Jerusalem who were being overlooked started complaining, and their representatives accused the apostles of ethnic favoritism. That is no doubt why the apostles, as they decided to delegate their responsibilities to others, required men who were “full of the Spirit and of wisdom” (Acts 6:3). Effective benevolence demands great wisdom, lest more harm than good be done.

Paul later wisely laid out very detailed instructions to Timothy regarding which widows should and should not be supported by the church (see 1 Tim. 5:3-16). Only a limited number would qualify, and those who did would hardly be receiving something for nothing, as they were required to work full-time in serving others, doing good works, and praying.

I’ve found that in some cases, impoverished Christians in other countries have been so conditioned by the thoughtless charity of Western Christians that they seem to have no concept of working to earn money, but expect to be sustained by never-ending handouts. If offered a loan to start a business, they refuse it, as it requires work to succeed and repay the loan. Those folks should be left alone until their stomachs educate their heads, as Proverbs tells us: “A worker’s appetite works for him, for his hunger urges him on” (Prov. 16:26).

Flushing Out the Sluggards

I once heard about a pastor who, during the Great Depression, frequently had beggars come to his church office to ask him for money. He would first ask them if they had looked for a job. They would respond that they had, but explained that they had simply not been able to find work. He then asked them if they would work if they could find a job. They always replied in the affirmative. Finally, he would say to them, “Good! I have a pile of wood in back of the church that needs to be split. There’s an axe beside the woodshed. Go out and split as many of those logs as you can, and then come back and I’ll fairly pay you.”

The majority of the time, those freeloaders politely thanked him, walked out his door, and he never saw them again. And that pastor kept a clear conscience in the process.

God wants us to help the poor, but the best way to help them is to help them lift themselves out of poverty. He doesn’t want us to help sluggards remain lazy. The best form of charity is an opportunity to earn.

Go to the ant, O sluggard, observe her ways and be wise, which, having no chief, officer or ruler, prepares her food in the summer and gathers her provision in the harvest. How long will you lie down, O sluggard? When will you arise from your sleep? “A little sleep, a little slumber, a little folding of the hands to rest”—Your poverty will come in like a vagabond and your need like an armed man (Prov. 6:6-11).