
Well this issue came up again with me just a couple days ago.The scenario: A church (a couple hundred members). The staff, led by the pastor, decides they need to build a
bigger building. A bigger building will mean more seats. More seats means more people. More people means more money, more success, but less room in the building. Eventually the cycle restarts itself because now the church (500 or so members) led by the pastor, decides they need another building.
Another building will mean more seats. More seats means more people. More people...
Or so the theory goes. I imagine that seminaries or Bible schools or conferences are pushing this plan. I haven't really heard it from faculty at
DTS but I heave heard it spilling off the lips of some
DTS students.
You take a church like
Prestonwood in North Dallas. It's a city of itself, within a city. I imagine at some point it started small and now it stands like a Baptist Mecca in the North Dallas sky. A monolith, a metal mountain.
Anyway, back to the story.So I was hearing that this small little church plant (under 100 members) was being led by the pastor to buy a new building. Truth be told, their tiny little church does need the space. They are currently meeting in a small office area in a shopping complex.
They found this other building that was bigger and are pushing hard toward buying the building, getting the loan, the whole process. So the questions that come up are:
'Should a church this size be getting such a large loan?'
'Is God not powerful enough to give them a better building?'
'Will the church not be prisoner to this loan for the next twenty thirty years?'
'Is getting into another building really the next step in the growing life in the church?'
'Will this church become the next
Prestonwood if it continues this cycle?'
Dang good questions.

So when I went to answer these questions, I did my best to come up with clear answers but was surprised at the first thing that popped into my head.
'Does the pastor teach that you should be out of debt?'
Yes.'Does the pastor teach that you should budget your money well as to pay off credit cards and mortgages?'
Yes.'Then why would a church so willingly go into so much debt in buying a new building?'And then, to my surprise as well as maybe to yours, I had a mini-war inside my head.
Yes, a mini-war. Sorta a Judge Judy thing.Chason, you can't be serious. Everybody has to get a mortgage. Like maybe 5% of people can pay for homes in cash. Should a church really be any
different? What are they supposed to do? All these church members are packed into the rooms like sardines. Sure the loan may be big, but isn't God going to provide for them?
Well
Chason, those are all darn good points.
And might I add that you are looking handsome today. But just because everybody gets a mortgage, does that mean we should just strive for that rut? So it's OK to tell people to pay off their cars, credit cards, furniture, etc. It's OK to tell them that God wants them to be free from debt with everything but a large mortgage? Look at the current housing crisis. People are foreclosing everywhere because they owe more than they can afford. Aren't churches the same way? They build these huge multi-million dollar buildings and then stay in debt to them for tens of years to come?
Yes, but
Chason, God provides the money for those buildings.
How?
Well, through tithes and offerings of the members.
But doesn't that take years and years and years to pay off the debt?
Well sure.
If God provides the money for these huge buildings, why not provide the money up front? Isn't God big into stewardship? Why would he want churches to pay millions in interest costs? That doesn't seem like good stewardship.
Because God has all the money in the world. If he wants to throw money away on interest in order to provide bigger and better space that's his business. It's not like he can't get more money elsewhere any time he needs it.
But why is that philosophy considered bad whenever the pastor tells me to get out of debt once or twice a year?
Because it's a little
different. The situations aren't synonymous.
That doesn't seem right. Also, I thought the church was the people, not the building. Does God even need a building?
Chason, stop it. You are being too cynical and didactic. You need to just chill out.
(further conversation edited out for your time consideration)

So, should a church go deep into debt in order to get into bigger and better buildings? Is this really God's way of provision for his people? Is the contradiction between having members get out of debt and having churches purposefully get into debt really not worth consideration?
Hmm....