
In congregational life, there are always those who give more /worry more/spend more time on the money than others. In systems theory this is called overfunctioning. Members who are overfunctioning with financial aspects of the church always think if others gave more or were more responsible, the church wouldn’t have this problem.
Yet there’s a balance between those who overfunction and those who underfunction in terms of financial responsibility. It takes both to keep this dynamic going. Often key church leaders carry the anxiety for church finances.
Who is staying awake at night? Typically, it’s the pastor, although sometimes lay leaders are more worried than the clergy. I talked recently with a church treasurer who was losing sleep night after night over whether there would be enough church money in the account to pay the bills. In this situation, the potential shortfall did not belong to the treasurer but to the church. It wasn’t his responsibility—or not his alone. Yet he was the one who was holding all the anxiety for it.



The decline of giving to churches was well documented during the Great Recession. Larger churches particularly struggled with giving. The graph here shows regional declines in giving. Many churches struggle with a vision on stewardship. Many churches guilt their people into giving or force the concept of tithe.
At the Super Bowl one year, a fan was surprised to see an empty seat at the stadium, a die-hard fan remarked about it to a woman sitting nearby. “It was my husband’s,” the woman explained, “But he died.” “I’m very sorry,” said the man. Then, the gentleman said, “Yet I’m really surprised that another relative, or friend, didn’t jump at the chance to take the seat reserved for him.” “Beats me…They all insisted on going to the funeral.” Remarked the woman.
Adam Smith is often credited with creating much of our free market principles as we know today as capitalism. Capitalism has created, at least in the West, a world where anyone can succeed if they work hard, save hard, and spend wisely. Much of our understanding of our resources is viewed through the lens of self interest. We are in control of our money and our gifts. However, we have seen how greed and corruption have affected our world through this Great Recession.
Several news outlets, including the Associated Press and 

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