8 Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law. 9 For this, “You shall not commit adultery, You shall not murder, You shall not steal, You shall not covet,” and if there is any other commandment, it is summed up in this word, “You shall love your neighbor as yourself.” 10 Love does not work evil against a neighbor; therefore love is the fulfillment of the Law. Romans 13: 8-10 LSB
Romans 13: 8-10
V. 8 Owe nothing to anyone except to love one another - Some have taken this so far as to say, "never incur any debt, even a mortgage etc.", but that is not the implication here. As in all things that may translate and lose some of their meaning from language to language, or seem unclear in one part of Scripture, this is where we look to the whole counsel of God. So we use all of Scripture on a matter to set the posts of our fences, to open and deepen our understanding. What does the Scripture say about borrowing, about debt?
…42Give to the one who asks you, and do not turn away from the one who wants to borrow from you. 43You have heard that it was said, ‘Love your neighbor’ and ‘Hate your enemy.’ 44But I tell you, love your enemies and pray for those who persecute you,… Matthew 5: 42-44
This giving above is balanced out by other passages that teach us about discernment in such.
…9Not that we lack this right, but we wanted to offer ourselves as an example for you to imitate. 10For even while we were with you, we gave you this command: “If anyone is unwilling to work, he shall not eat.” 11Yet we hear that some of you are leading undisciplined lives and accomplishing nothing but being busybodies.… 2 Thessalonians 3: 9-11
Matthew Henry - Christians must avoid useless expense, and be careful not to contract any debts they have not the power to discharge. They are also to stand aloof from all venturesome speculations and rash engagements, and whatever may expose them to the danger of not rendering to all their due. Do not keep in any one's debt. Give every one his own. Do not spend that on yourselves, which you owe to others. But many who are very sensible of the trouble, think little of the sin, of being in debt. Love to others includes all the duties of the second table. The last five of the ten commandments are all summed up in this royal law, Thou shalt love thy neighbour as thyself; with the same sincerity that thou lovest thyself, though not in the same measure and degree. He that loves his neighbour as himself, will desire the welfare of his neighbour. On this is built that golden rule, of doing as we would be done by. Love is a living, active principle of obedience to the whole law. Let us not only avoid injuries to the persons, connexions, property, and characters of men; but do no kind or degree of evil to any man, and study to be useful in every station of life. - PA
A Christian will not want to remain in perpetual debt to someone. He should be looking for ways to pay on time and if possible, early. If something is of comfort or entertainment and not of necessity then it is foolish to go in debt for it. Borrowing in order not to work is not a substitute for going out and earning a living. As much as we would like to be paid and appreciated for our work we should appreciate others as well and desire to pay the craftsman and the laborer.
…6Train up a child in the way he should go, and when he is old he will not depart from it. 7The rich rule over the poor, and the borrower is slave to the lender. 8He who sows injustice will reap disaster, and the rod of his fury will be destroyed.… Proverbs 22: 6-8
…28Do not move an ancient boundary stone which your fathers have placed. 29Do you see a man skilled in his work? He will be stationed in the presence of kings; he will not stand before obscure men. Proverbs 22: 28-29
John Trapp - The Persians reckoned these two for very great sins: 1. To be in debt. 2. To tell a lie; the latter being often the fruit of the former. (Xenophon, Gell. xii. 1.) By the 12 tables of Rome, he that owed much, and could not pay, was to be cut in pieces, and every creditor was to have a piece of him according to the debt. (Acts and Mon.) When Archbishop Cranmer discerned the storm which afterwards fell upon him in Queen Mary’s days, he took express order for the payment of all his debts; which when it was done, a most joyful man was he; that having set his affairs in order with men, he might consecrate himself more freely to God. (Mr Wilkins’ Debt Book.) Let us therefore (saith a reverend man) be thus far indulgent to ourselves, as to shake off the deadly yoke of bills and obligations, which mancipate the most free and ingenuous spirit, and dry up the very fountains of liberality. Yea, they so put a man out of aim that he cannot set his state in order, but lives and dies entangled and puzzled with cares and snares; and after a tedious and laborious life passed in a circle of fretting thoughts, he leaves at last, instead of better patrimony, a world of intricate troubles to his posterity and to his sureties; which cannot be managed by those who understand them not, but to great disadvantage. We read of a certain Italian gentleman, who being asked how old he was? answered, that he was in health; and to another that asked how rich he was? answered, that he was not in debt: q.d. He is young enough that is in health, and rich enough that is not in debt. (Romans 13 - John Trapp Complete Commentary) - PA
V. 8b For he who loves his neighbor has fulfilled the law - This is the only thing that is perpetual, never paid off, but starts afresh every day. We may never stop loving our neighbor, and the Christian is even called upon to love his enemy.
V. 9 You shall not - The person who loves his neighbor would not commit adultery with her, for that is lust and not love, that is to bring them into disobedience to their Creator. Obviously you wouldn't murder them because God says, "thou shalt not kill", nor would you steal, but love would protect it's neighbor's interest, respect his property lines and warn him of the robber. You wouldn't covet because love is not jealous of what others have, but instead rejoices when others do well. When you love your friend you are happy for his or her success, for their happiness, envy is the enemy of love.
Love Your Neighbor - When Jesus commanded the rich young ruler to "love your neighbor as yourself" (Matthew 19:19), what did He mean by the words "as yourself"? And what did the apostle Paul mean when he repeated those words in Romans 13:9?
The statement by our Lord and by Paul is not a command to love ourselves more; it's a recognition that most of us already look after our own welfare in reasonable ways. That is, we love ourselves enough to feed and clothe ourselves, to keep a roof over our heads, and to avoid being cheated or injured. In practice, we should love our neighbor at least that much.
But there's more. In John 15:12, Jesus also commanded His disciples to love one another just as He had loved them. He used the Greek word agape, which signifies an active love that is unconditional, self-sacrificial, and for the good of others. This love is often more of a decision than an emotion. Author David Walls wrote,
"We cannot command feelings, but we can command an active determination of our will."
Even when we don't feel love for someone, if we choose to show love our feelings will usually follow. Let's take the initiative to love our neighbor every day. —J E Yoder (see also What Is Real Love?) (Our Daily Bread, Copyright RBC Ministries, Grand Rapids, MI. Reprinted by permission. All rights reserved)
V. 10 Therefore love is the fulfillment of the law - Love by God's definition will never endorse evil, so it will always by it's nature fulfill the law. Here is God's definition of love.
…8Whoever does not love does not know God, because God is love. 9This is how God’s love was revealed among us: God sent His one and only Son into the world, so that we might live through Him. 10And love consists in this: not that we loved God, but that He loved us and sent His Son as the atoning sacrifice for our sins.… 1 John 4: 8-10
If I speak with the tongues of men and of angels, but do not have love, I have become a noisy gong or a clanging cymbal. 2 And if I have the gift of prophecy, and know all mysteries and all knowledge; and if I have all faith, so as to remove mountains, but do not have love, I am nothing. 3 And if I give all my possessions to feed the poor, and if I surrender my body to be burned, but do not have love, it profits me nothing.
4 Love is patient, love is kind, is not jealous, does not brag, is not puffed up; 5 it does not act unbecomingly, does not seek its own, is not provoked, does not take into account a wrong suffered; 6 it does not rejoice in unrighteousness, but rejoices with the truth; 7 it bears all things, believes all things, hopes all things, endures all things.
8 Love never fails, but if there are gifts of prophecy, they will be done away; if there are tongues, they will cease; if there is knowledge, it will be done away. 9 For we know in part and we prophesy in part, 10 but when the perfect comes, the partial will be done away. 11 When I was a child, I used to speak like a child, think like a child, reason like a child. When I became a man, I did away with childish things. 12 For now we see in a mirror dimly, but then face to face. Now I know in part, but then I will know fully just as I also have been fully known. 13 But now abide faith, hope, love—these three; but the greatest of these is love. 1 Corinthians 13 LSB