Ellen White addressed the concept of lending that could actually harm the recipient rather than help them. She wrote about a specific situation where she was "on the point of saying that I would help you with money to tide over your difficulties, but the Spirit of the Lord teaches me that as you now are this would be using the Lord's money to hurt yourself and other souls" (
13MR 2.2). She explained that in this case, the person lacked the character development needed to handle the money wisely, and "to trust you with money would be to put it into a bag with holes, and you would be no more relieved than before you received it" (
13MR 2.2). This principle reveals that sometimes lending money can enable destructive patterns rather than provide genuine help. The issue wasn't the act of lending itself, but whether the recipient had developed the character and wisdom to use the resources properly. Ellen White recognized that providing financial assistance to someone unprepared to manage it responsibly would ultimately harm both the individual and others who might be affected by their poor stewardship. She also warned about the dangers of borrowing that could hurt the borrower. She taught that "the practice of borrowing money to relieve some pressing necessity, and making no calculation for canceling the indebtedness, however common, is demoralizing" (
CS 255).
This practice, she explained, leads people into dishonesty and self-deception, causing them to "deny Christ in action, while they profess to keep and teach the commandments of God" (
CS 255). The broader principle here is that both lending and borrowing require wisdom and character. True help sometimes means withholding financial assistance until the person develops the spiritual maturity and practical skills needed to use resources wisely. Otherwise, what appears to be kindness can actually enable harmful patterns and prevent the character growth that God desires. --- 💡 **You might also want to explore:**
• What counsel did Ellen White give about developing faithful stewardship before being entrusted with greater resources?
• How did she address the relationship between character development and financial responsibility?
• What did she teach about the proper use of borrowed capital in God's work?