Text: Romans 8:12-25

Just to get our blood flowing, let’s stretch our bodies a bit by raising our hands if any of the following apply to ourselves. This isn’t going to be one of those on the spot confessions that you later are made to feel dumb for having participated in. I just want folks to get a sense for the things we have in common. The topic is debt.

Raise your hand if you carry debt on a mortgage.

Raise your hand if you carry debt on a car.

Raise your hand if you carry debt on a credit card.

Raise your hand if you carry debt on a student loan.

Raise your hand if you carry medical debt.

Raise your hand if you carry personal debt to a friend or family member.

We are very indebted people, carrying heavy debt burdens. According to one recent report, “debt is a way of life for Americans, with overall U.S. household debt increasing by 11% in the past decade. Today, the average household with credit card debt has balances totaling $16,425, and the average household with any kind of debt owes $135,924, including mortgages.” For those households where there is student debt, the average amount being carried is just over $50,000. For those households making payments on a car loan, the average balance on that debt is almost $30,000.

While there’s no one reason why each of us are carrying so much debt — we do, after all, each make our own decisions — there are some broad economic trends which affect us all. The cost of living has, on average, increased more quickly than our household income. While median income has grown by 28% over the last fifteen years, the cost of living has gone up 30%. Medical costs have increased by 57% and food and beverage prices by 36%. It is exactly as Hope has been reminding us week after week, prices are going up and up and up!

When the cost of living increases, debt increases. Despite stereotypes of careless spending on easy credit, the reality for many families is that credit is how they cover the difference between what may come in over a month and what it takes to feed, clothe, and care for themselves and their children. Minimum wage work leaves millions of people living from paycheck to paycheck, with credit as one of their only safety nets. Pursuing an education in order to get higher paying work comes with its own dangers. Student loan debt has increased by 186% in the last decade as the long recession forced people out of work and back to school.

It’s no wonder then, that we tend to think of debt as bad. We are so heavy laden with the kinds of debt that constrain our freedom and crush our spirits that it’s difficult to think of debt in positive terms. We’ve heard of “good debt” and “bad debt” in the economic realm and it has, perhaps, guided our choices. In today’s portion of Paul’s letter to the church in Rome, he also talks about debt — good debt and bad debt — though we have to go back, parse his sentence, and read between the lines, to understand what he’s saying.

“So then, [siblings], we are debtors, not to the flesh, to live according to the flesh — for if you live according to the flesh, you will die; but if by the Spirit you put to death the deeds of the body, you will live.” (Rom. 8:12-13)

The beginning of this sentence is clear: we are debtors. Then Paul sets up an opposition he never quite finishes, leaving us to infer the ending. “We are debtors, not to the flesh,” but … to something else, something being contrasted with the flesh, which turns out to be the Spirit.

However, our relationship to the Spirit is so radically different from our relationship to what Paul is calling “the flesh” that we can barely understand it in terms of debt as we know it, because it is the exact opposite of how we have experienced debt in the rest of our lives. Paul says that the Spirit of God makes us children of God. That the Spirit of God is the spirit of adoption. It is a spirit that increases our connectedness, that strengthens the bonds that tie us together. Paul contrasts this with the spirit of slavery, evoking once again the image of God’s people liberated from the bondage of Egypt through the waters of the sea.

This begins to make sense, at least to me. There are definitely forms of debt that feel infused with the spirit of slavery; debt that pushes me down and traps me in place; debt that makes me feel like an anonymous cog in a global machine that is extracting life out of me to create wealth and prosperity for a class of people I’ll never meet.

Then I consider how my own life benefits from the condition of debt between nations that keeps the wealth flowing up from impoverished continents to supply me with cheap(er) food and oil and clothing, and I see that I am living higher up on the pyramid; that I am someone’s Pharaoh, part of a class of people they will never meet. This way of ordering life strips human flesh of the divine image and treats people like objects to be used and discarded. If we live according to the broken logic of this broken system, we will die.

There is this other kind of debt, however, that does not kill us. Instead, it’s the exact opposite, it sets us free from “bondage to decay.” It is the debt I inherited in baptism, when I crossed through the waters that led me to freedom.

Oh, to grace how great a debtor daily I’m constrained to be; / let that grace now like a fetter bind my wandering heart to thee. / Prone to wander, Lord, I feel it; prone to leave the God I love. / Here’s my heart, oh, take and seal it; seal it for thy courts above.

There is a form of debt that we take on whenever we are loved, which is a debt we can never repay — not because it weakens us or traps us in a dependent state — but because love is not for sale. Love breaks down the market forces that turn everything and everyone into a commodity. By love we adopt one another into our families, into our hearts. We invest without concern for return on investment, so that when love’s dividends are finally paid we are glad to immediately give them away, reinvesting them in one another.

Raise your hand if a parent, or a family member, or a teacher, or a friend, or a partner, or a spouse, or a child ever loved you in a way that made you more human, more free, more alive.

Then you are a debtor to grace, which is love’s currency.

I have a dream for St. Luke’s — which I guess I now have to say is my dream for the whole church — that we would continue to grow and become a powerful church that transforms lives and changes the world. By powerful I don’t mean the kind of power shaped like a pyramid, where each of us uses those below us to try and get higher up ourselves. I mean the power that comes when we look at our neighbors, every single one of them, and see children of God, joint heirs with Christ of a love that liberates us from the forces that deal death to our flesh and to our spirits. The power that comes from being members of a family more numerous than the stars in the sky, a family spread abroad to the west and to the east and to the north and to the south (Gen. 28:14).

Imagine all those siblings. Hear their groaning cries. The whole creation is laboring to be transformed, to be changed, to be saved. That work, which Paul describes as “suffering with Christ so that we may also be glorified with Christ,” is love’s debt. It is the work we do not in order to be loved, but because we have already been given the first fruits of God’s love — we have been given each other. That alone is cause for hope.