Tag Archives: debt

What to expect if your loved one is in the media

The first thing we’ll probably do if our loved one is in the media is have a big emotion, right? — like when the cameraperson in the stadium puts you on the jumbotron.

Most of us will be excited. I was VERY excited when NPR discovered our Debt Annihilation Team and talked about them on two different podcasts, recently.  I hope you saw the notice on the Covenant List:

My loved ones sounded like their brilliant selves and our vision for following Jesus looked pretty great, too.

But sometimes you might feel puzzled, at best, and horrified, at worst, at how your loved ones gets twisted by inaccurate or unscrupulous reporting that will probably be on the internet forever.  The first time I ever got my picture in the newspaper they said my name was “Tod.” They got both the dogs’ names correct, however.

Our most recent relationship with the powerful media was pretty great.  NPR treated us generously. But I also feel disappointed with how the producer of “This is Uncomfortable” summed up  our radicality in a way none of his subjects implied.

Here are two things to expect if your loved one is in the media.

It is going to be depersonalized while looking personal

The segment of Marketplace I heard was the 23rd in a series about “Life and how money messes with it.” “Life” is a thing” and “money” is a force.  You’ve entered the media machine and it has a worldview. The show has a topic and you are being fit into it.

I kind of like the show’s point of view. We need to know that the average amount for people with credit card debt is over $6000. They said our team was “turning to a very ancient text, the Bible, to solve a very modern problem.” That’s all great.

Caroline Butcher sounded like a very charming, sincere person. The story of her troubles, joys, problems, and hopes was inspiring. They said saving, and living within one’s means is a social act.  They showed how sincere the group was about not compromising their Integrity. Caroline said the money helped her finances, but maybe even more profound, the group helped her change her view from “me” to “us.” When the reporter outed her in the Sunday meeting she owned her place on the usually-anonymous DAT — that made her shame lose some power, which might be the most profound experience of all. So that was all good.

I was impressed how love and hope kept leaking through the carefully-flat presentation of the format.

The producer will have a way of inserting their agenda which does not match what you said

There was really only one line in the segment that made me sigh with disappointment and a little bit of irritation. It was this:

“What’s so radical about that church’s system to pay off debt is that God doesn’t actually have to be a part of it. It’s really just a community helping each other out.”

Nobody said anything like that. God was a main player in all of it. It is hard to come to his conclusion from what he presented himself!

Image result for Peter Balonon-Rosen marketplace
The producer

On the one hand, it’s true. We would like to help people who don’t trust Jesus and his people. Being mutual with them would be great. Community is powerful. But I don’t think the producer meant to say just that. He was interested in the radicality of having community, not knowing God. He pointedly took God out of the question, for some reason.

So on the other hand what he said wasn’t true and was just plain poor reporting. He tweaked the whole thing on the sign off, after Caroline was up front about her faith journey, after people had allowed him to record them praying, and after Joshua gave a dandy explanation of the Debt Annihilation Team’s biblical foundation in a few sentences. All the people in the piece were open and vulnerable with their faith and the author summed it up with “Faith doesn’t matter anyway; this is all about people getting together, not God.”

Most of us wake up every day with some indecision about what matters or whether we even matter. So I can give the producer, Peter Balonon-Rosen, a pass on his conclusion. Most listeners probably listened to his summary and wondered what people he had listened to, anyway, like I did. But he would probably be a fine dinner guest.

When you get involved with the media, don’t be surprised if the producers produce what they want with the raw material of your story. They’re running a big machine looking for stuff to process and the machine has  some big assumptions to organize our thinking — on purpose or unwittingly.

2014 #10 — Six reasons why we can't care about Palestine

For the next few weeks, Thursday is TOP TEN of 2014 day. This is the #10 most read post. In July, I tried to sympathize with people who are having a tough time with our radical ideas about attending to the sins of the world — like the oppression, violence and apartheid in Palestine.

There are good reasons you don’t care: Here are six (focusing on Palestine)

Why can’t we care about much of anything beyond getting through this week?

I suppose a few of us feel some crushing guilt when we hear such a question. A few of us effectively screened out questions like “Why don’t you care?” a long time ago. We exempted ourselves, because we don’t want to feel guilt anymore. It crushes us.

Ideally, we think of ourselves as caring people. If we are Jesus followers there is quite a bit of pressure to care about others. I think most of us think we are doing OK at meeting the standards. We are probably more caring than other people — especially Israelis who are creating an apartheid system in the occupied West Bank and Gaza, and Palestinians like Hamas who would sacrifice their whole people for their ideology.

college gilr

You probably are more caring than they are, and I like to think I am too. But let’s face it. When it comes to the Israeli/Palestinian tragedy the vast majority of us have just barely heard about what is going on — that’s true even though our own church people have been talking about it regularly for over two years.  We didn’t read a blog post, we didn’t go to the movie, we didn’t read a newspaper or listen to a broadcast. What’s more, we did not pray about it; we did not figure out how to give money to help suffering people; we did not support others who care more than we do; we did not protest to our elected officials who fund the whole thing; we did not demand an end to weapons production and distribution, etc. If we care at all, why don’t we do something?

I think there are a lot more reasons for not caring about Palestine than we are just wicked, guilt-resistant, pseudo-Christians.

I think we may be dramatically underestimating just how powerful and demanding the powers that be really are, and way underestimating just how damaging it is to buy the philosophy of self-reliance and “freedom” capitalism keeps selling.

Here are some good reasons you don’t care, or at least don’t do much to show that you do:

1) You’ve got student loan debt that must be paid off.

It is the all-purpose excuse millions of people have for tunneling into their careers and keeping whatever job they have at all costs, working whatever hours are required to do so.

2) You either have high rent or you are stuck with a high mortgage.

Nationally, 50% all renters are now spending more than 30% of their income on housing, according to a comprehensive Harvard study, up from 38% of renters in 2000. In PA the average renter needs to bring in about $17.21 an hour to make the average rent for a two-bedroom. The stats show that the phenomenon of twentysomethings living with mom and dad is proven by more than anecdotal evidence; the few who have ventured into their own homes spend all their hours making money to make the payments.

3) You need to pay for private school for your kids.

This is mainly because people do not want to pay taxes or sensibly elevate standards for public education. The average private school tuition in the U.S. for a non-sectarian elementary school is $15,945 a year, and $27,302 a year for secondary school. Catholic elementary school will run you on average $4,944 for elementary school and $7,826 for secondary school; other religious schools average $6,576 for elementary and $10,493 for secondary. Everywhere we turn, some giant institution is costing a lot!

4) You have to master the insurance system and might need to pay exorbitant rates.

This is mainly because people do not want to share in each other’s well-being. In PA the average monthly health insurance cost for a single person is $271 but could be as high as $1200. If you actually go to the doctor, be prepared to take the day off as the system tries to frustrate any use of it.

motherboard

5) You have to master technology that is too complex to master.

That is just in order to participate in the society. Plus, you have to pay a fee to do so at every step: internet, phone, TV, security systems. And those are just the systems we can see. Behind every institution from law to transit, the complexity is increasing exponentially. Many of us would love to respond to injustice if we could get our computer to work.

6) You have to master consumer capitalism.

We did a kitchen in our home a few years back. We already replaced the dishwasher. Last week we paid $350 to fix the fridge. Our beloved repairman told us there were no better machines available. They all have the same problems and they are all junk because people have learned to expect them to fail and to change them like they are fashion, not utilities. Such obsolescence is a business strategy. To stay on the treadmill takes economic staying power. Which means a lot of time on the treadmill, which does not leave a lot of time for Palestinians.

I still ask for outrage

I sometimes ask my favorite twentysomethings why they are not more rebellious. A lot of them gave it a whirl with the Occupy movement — and some are still engaged in the aftermath of that. Some are implementing beautiful responses to the traps the culture has set for them. But most of them are just too busy and tired to do anything. I feel their plight. It is hard to be an agent of transformation when the powers that be are so damnably well-outfitted. For instance, whatever one might try to do just might be filmed and analyzed by some faceless authority  That alone could make you want to hunker down with a good video game. If anyone is choked by the cares of the world, the transformers are. If they complain, they get, “You’re free. Make any changes they want. Just DIY. You’re special and your country is exceptional,” shoved down their throat.

I hope my honesty about what it is like for many people also sounds like sympathy. We want to care about Palestine and much more. But a lot of us are pretty busy just trying to get through this week. Even saying “Jesus will give you strength,” just sounds like there will be another duty to perform if he does! But Jesus is the master of overcoming gigantic powers. If you are doomed to some kind of slavery, He’s your savior.

Debt Has Broken the Spirit of Resistance among Jesus-followers, Too

Let’s talk about how the ruling elite have created societal institutions that have subdued young Americans and broken any spirit of resistance to domination they might normally have. I’m talking about having some dialogue in the spirit of James who wrote to the ruling elites of his time:

“Your gold and silver are corroded. Their corrosion will testify against you and eat your flesh like fire. You have hoarded wealth in the last days. Look! The wages you failed to pay the workers who mowed your fields are crying out against you. The cries of the harvesters have reached the ears of the Lord Almighty. You have lived on earth in luxury and self-indulgence. You have fattened yourselves in the day of slaughter.  You have condemned and murdered the innocent one, who was not opposing you” (James 5:3-5).

Somehow, the elites have convinced the latest generation that whatever corroded gold they have will be taken away if they don’t conform; their only hope is to hoard whatever little wages they are paid in hope of having a retirement of limited self-indulgence!

money = speechBruce E. Levine writes, in a very telling article, that young Americans “appear to have acquiesced to the idea that the corporatocracy can completely screw them and that they are helpless to do anything about it. A 2010 Gallup poll asked Americans ‘Do you think the Social Security system will be able to pay you a benefit when you retire?’ Among 18- to 34-years-olds, 76 percent of them said no. Yet despite their lack of confidence in the availability of Social Security for them, few have demanded it be shored up by more fairly payroll-taxing the wealthy; most appear resigned to having more money deducted from their paychecks for Social Security, even though they don’t believe it will be around to benefit them” (Bruce E. Levine, republished in alternet.org).

How exactly has American society subdued young Americans – and young American Christians? This might take a few weeks to answer. But let’s talk again about one big reason we have been considering for years now: student-loan debt.

Large debt—and the fear it creates—is a pacifying force. When I went to UC Riverside in the 70’s my tuition went up to $215 a quarter and I was upset. At that time tuition at many U.S. public universities was so affordable that it was easy to get a B.A. and even a graduate degree without accruing any student-loan debt. Those days are gone in the United States, but public universities continue to be free in the Arab world and are either free or with very low fees in many other countries. The millions of young Iranians who risked getting shot to protest their disputed 2009 presidential election, the millions of young Egyptians who risked their lives depose Mubarak in Egypt, and the millions of young Americans who demonstrated against the Vietnam War back in the day all had one thing, at least, in common: the absence of pacifying huge student-loan debt.

obama teacherToday in the United States, two-thirds of graduating seniors at four-year colleges have student-loan debt, including over 62 percent of public university graduates. And, like President Obama says, a high school degree is not enough:

Whatever the training may be, every American will need to get more than a high school diploma….We have one of the highest high-school dropout rates of any industrialized nation, and half of the students who begin college never finish…This is a prescription for economic decline, because we know the countries that out-teach us today will out-compete us tomorrow.

One has to go to college to get a ticket into the economy. And that mandatory ticket will cost you. The median undergraduate debt is close to $25,000. Add on consumer debt and the typical twentysomething debt is close to $45,000 according to a study from last year. Increasingly, it is easy to find college graduates with $100,000 in student-loan debt. During the time in one’s life when it should be easiest to resist authority because one does not yet have family responsibilities, many young people worry about the cost of bucking authority, losing their job, and being unable to pay an ever-increasing debt. In a vicious cycle, student debt has a subduing effect on activism, and political passivity makes it more likely that students will accept such debt as a natural part of life.

The Bible has a lot to say about debt

But most Christians can’t listen to the Bible because their creditors might garnish their bank account if they did what the Bible says. Nevertheless, Romans 13 says:

Give to everyone what you owe them: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor. Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law (Romans 13:7-8).

If you read this in an individualistic way, then whatever debt a person incurs is their lot. The debt industry would love to have us all feel that morality. It is ironic that the government and the corporations that own it (who are increasingly seen as individuals!), are not held to the same standard of individual responsibility. In fact they have special rights like limited  liability and, the big one, they can live forever.

When Jesus tells Simon a parable about the woman washing his feet with her tears, he at least suggests an outlook other than someone being endlessly responsible for their debt.

 “Two people owed money to a certain moneylender. One owed him five hundred denarii, and the other fifty. Neither of them had the money to pay him back, so he forgave the debts of both. Now which of them will love him more?”
Simon replied, “I suppose the one who had the bigger debt forgiven.”
“You have judged correctly,” Jesus said. (see Luke 7:40-49). 

In the Lord’s story, the money lender forgives debts when someone can’t pay. That’s one thing. But the big thing, as in Romans,  is that love is owed. Love is the goal. Forgiveness is the prize. In contrast, the faithlessness of our society is enslaving people. We’re taught that we will ruin someone if we disturb their supposed self-reliance. Being taken care of by society is considered wicked. But the corporations are very well cared for! Even if there was a vestige of Christian morality as part of the conversation, we would be better off.

And let’s not forget what Jesus teaches us to pray in the Lord’s prayer

Forgive our debts as we forgive our debtors.

Smack dab in the middle of the Lord’s Prayer, obscured by old translations and otherworldly assumptions, is a radical cry for Jubilee justice. In this most stripped down form of Jesus’ teaching — the bare essentials of what a disciple should bring before God in prayer — is freedom from economic debt for all of God’s children. The prayer is not just about sins like “My mother-in-law said something mean about me, so I should forgive her ‘debt of sin’ against me.” The prayer is about real debtors — people who are enslaved by the rich and their deceptive systems. It is bigger than that, but not less.

How do Christians “fight back?”

Among the Circle of Hope we say, “We are birthing a new generation of the church to resist and restore with those moved by the Holy Spirit.” That means at least four things in relation to the debt that is breaking the spirits of twentysomethings, especially:

1) We prophesy. Even if you think the truth will get you in trouble, you “go James” at the proper time.

2) We do not conform. Even if love is illegal, we practice it.

3) We create the alternative. In our community we are all about forgiveness and sharing.

4) We demonstrate the alternative. We get people out of debt. Our debt annihilation team is an extremely practical example of this. Our compassion fund distributions are usually gifts and always no-interest loans. Our cell members take care of each other. We have thrift stores full of low-cost items. We hold baby-goods exchanges. We support relief and development and advocacy through MCC. And we sure don’t follow every lie the domination system dishes out – instead, we live simply in the freedom of the Spirit. We find a new way through the wilderness of the present age.