Insurance is for Risk

Insurance is a guard against risk.  Term life insurance is provision for your family in case you die young – an unlikely occurrence.  Car insurance is coverage in case you get in an accident – which most people won’t.  What we call health insurance is not insurance.  It is a “benefit,” like a retirement plan.  Our system originated when companies were competing for labor without breaking the salary cap laws. 

We could have health insurance, an investment to pay large, unexpected expenses if they come up.  There are a few plans that cover only catastrophic needs.  These are not the kind provided by employers in our market today.  Of course, if employers want to pay for preventive healthcare and common doctor’s visits, that is their competitive option.  It shouldn’t be mandatory, any more than a salary cap should be mandatory. 

Employers could also provide grocery coverage: the planned, necessary expense; for each employee and his family.  The price of food would go up, and options would go down, and companies would do better to just pay well for their labor, letting the consumers determine the demand and value of food.  Consumers are less extravagant, more cost-conscious, and diligent to hold providers accountable for their products and services. 

What makes us think that paying rows of middle men for our health care payment system will result in saving money or improving care?  Are these middle men doing something I couldn’t do myself?  No – they’re distancing me from information about my options in health care and the shocking costs of some procedures. 

My solution is this:

1.  Do not require an employer to do anything for his employee that does not concern his job: cover injuries caused by the job and keep work environments safe. 

2.  Also eliminate what is essentially a tax break on the benefits provided by employers.  If wages are going to be taxed, so should the health care benefits and retirement plans. 

3.  Do not require insurance companies to have a minimum amount of coverage, nor any specifics.  Instead, enforce contract law: openness of the agreement being made and stiff penalties for either party dropping their end of the bargain.

4.  Do not require individuals to have health insurance of any kind.  If the problem is in collecting payment for emergency services rendered to the poor, this needs to be addressed in a wider question of bankruptcy laws and debt repayment.  Leaving individuals to the option of health insurance reduces the weight on the health care industry by discouraging unnecessary doctor’s visits and encouraging preventative lifestyles. 

5.  Allow increased competition by revoking the state line restrictions on insurance policy sales. 

6.  Reduce the cost to healthcare professionals by reforming the system that allows doctors to be sued without probable cause.  Our economy and government is almost completely biased against businesses in favor of consumers.  The customer is not always right; sometimes the “customer” is committing fraud. 

To God be all glory,

Lisa of Longbourn

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Work and Wisdom

Earlier this week I was talking to an old friend.  As long as I’ve known him, he’s been talking about ways to make the most out of all the information in the world.  What it comes down to is community: I can’t read all the books and you can’t watch all the movies, but if we do a little of each, and then share the summaries or highlights, we’ve both benefited from double what we could have done ourselves.  Another thing he brought up was the difference between knowledge and wisdom.  Wisdom knows value.  Wisdom can make choices. 

 

You get on the internet and how do you decide whether to read the article about the presidential race or the news story about international affairs?  You go to the library: upstairs or down?  Fiction or nonfiction?  M’s or Biographies?  There’s so much you couldn’t hope ever to get to, yet gaining knowledge is good.  What makes you read Jane Austen over Dickens?  Why did you pick a mystery today, but a book about Iceland last week?  Or we could look at your household.  How do you decide between Monopoly with your kids, a movie with the family, or any of the hundred chores and projects you could do around the house? 

 

The choice is wrought by wisdom: your wisdom or someone else’s.  My same friend is an excellent story-teller.  He has the wisdom to know what details are essential to letting you feel right there a part of the story.  When I get on the internet most days, I’m not thinking of choices that are life-shattering.  “What’s this about?” I ask and click.  I found all of my favorite blogs by linking out of curiosity.  Why did that article catch my eye?  I believe this is providential grace.  Do I always see purpose in my trips to the library, the museum, or the web?  Are all of my conversations with friends evidently headed in a direction good for both of us?  I believe that, though I can’t always point to it. 

 

Fruit in our Christian life is a matter of wisdom.  It isn’t dutifully devouring the books in the library shelf by shelf until we are filled with useless facts and exhausted by blurry lines on the pages.  Christianity is walking in the Spirit’s wisdom.  And the Spirit produces fruit in our lives. 

 

Luke 10:27-42 contains two stories: the first is the Good Samaritan.  The second is one we’ve been studying in Sunday school for several weeks, Mary and Martha.  This week we’re got a glimpse of the context of Mary and Martha.  We can tend to see Jesus’ reproof of Martha as a call to abandon work almost entirely.  Churches today are so afraid of legalism that they can be afraid to tell people to work.  Who was most spiritual in the Good Samaritan story?  Who was most Christ-like?  Who obeyed the greatest commandment?  It’s significant that Martha’s story follows the account of the lawyer (asking the question, “Who is my neighbor?”) who wanted to “justify himself.”  He wanted to earn credit from God.  That’s not what ministry is about.  Let’s look at a proper perspective on service. 

 

Last week in Sunday school we talked about having “living room intimacy” with God.  A few weeks ago one of our teachers shared a little of what her living room is like with friends.  She’ll serve them, but wants them to help themselves to refills or anything they need.  I love most to visit my friends and spend the day with them, changing diapers, folding laundry, etc.  What I’m getting at is intimacy that goes beyond sitting at Jesus’ feet, beyond the time of prayer and meditation on His words.  Intimacy with Jesus is an active intimacy, too.  It doesn’t turn off when we get off our knees, or when the kids wake up, when we’re at work, driving, relaxing, or even when we’re on vacation. 

 

We work as a result of being with Jesus.  We can’t do everything, so we need wisdom to know which works to choose.  Follow Jesus’ example (taken from Joanna Weaver’s Having a Mary Heart in a Martha World).  He ministered in three ways:

 

–         as He went on His way

–         as He went out of His way

–         in all kinds of ways

 

 

In Experiencing God, Henry Blackaby writes that we should look for God at work and join Him there.  In John 5:19, Jesus describes His walk in the same way: So Jesus said to them, “Truly, truly, I say to you, the Son can do nothing of his own accord, but only what he sees the Father doing. For whatever the Father does, that the Son does likewise.”

 

We don’t get the impression from the gospels that Jesus published an itinerary.  His disciples rarely even knew where they were going or when.  Jesus was like a living pillar of cloud and fire that the Israelites followed.  Jesus knew where He was going, and the gospels even report at times that He had to go somewhere (Jn 4:4).  

 

Even in the story of Martha and Mary, when Jesus got to Bethany, He was on His way to Jerusalem.  What does this joining God at work look like? 

 

I’ve worked at the same office for seven years.  Over that time I’ve met some favorite patients and some least favorite.  Last week we saw one of my least favorite, a man who when he came last year was a test of my Christian love.  I didn’t want to love him, to want him to be saved, to be nice to him or anywhere around him.  I wanted him punished.  But I struggled with that, and prayed that God would help my weak heart to love my neighbors no matter who they were. 

 

This year when I saw his name on the books I started to pray, but my prayers were all different.  I prayed for an opportunity to share the gospel, and for the approach to take with the gospel.  Our patient needs Jesus, no question about it.  And for all the times I’ve asked God to never let this man come back to our office, God has brought him back year after year.  God doesn’t make me miserable for no reason, so I believe God is at work in that man’s life.  I didn’t get to share the gospel.  He came in and left without even stopping. 

 

But he came back the next day, and my gifted-evangelist brother shared the gospel with him.  How incredibly cool is that? 

 

Remember the story of the Good Samaritan?  He wasn’t out on a charity field trip.  He didn’t build a shelter for beaten and unconscious penniless men to recover if they could make it.  Luke 10:33 – “But a Samaritan, as he journeyed, came to where he was, and when he saw him, he had compassion.”  The Samaritan was on his way, paying attention to the needs of others.  He ministered on his way. 

 

But the difference between the Samaritan and the other, “religious” men in the story, was that after he met the needy man on the road, the Samaritan didn’t just toss him a drink or some money; he went out of his way to help him, just like Jesus would. 

 

Joanna Weaver points us to Matthew 14:1-22  for Jesus’ example.  The first part of this chapter describes the death of Jesus’ cousin, John the Baptist.  John was the first to proclaim Jesus as the ‘Lamb of God,’ and actually baptized Jesus.  In response to news of his friend’s execution, Jesus goes apart by Himself.  The crowds find Jesus, but He doesn’t immediately send them away.  Instead, according to verse 14, Jesus “saw a great crowd, and he had compassion on them and healed their sick.”  Note the word “compassion.” 

 

“He laid aside his hurt so he could pick up their pain.  He laid aside his wishes so he could become their one Desire.  He laid aside his agenda so he could meet all of their needs.”  – Having a Mary Heart in a Martha World

 

There’s a lot of emphasis these days on our passion for ministry.  What do you just love doing?  God created you to be passionate about certain types of service, truths about Him, or people groups.  As youth leaders at church we’ve been talking about that.  And when you’re building a team with a mission, that’s good.  You want those passionate about interaction to be doing the fellowship, the teachers to be teaching, the servants to be running the snack bar or sound booth, the loud and energetic ones to be leading games.  God gave the body spiritual gifts, and He gave varieties to different people so that we could work together and be the best and strongest. 

 

But we’re not talking just about targeted long-term missions. 

 

Compassion is different from passion.  Compassion is why Jesus went out of His way to meet the needs of the multitudes.  Compassion is why Jesus went out of His way to make me His.  And compassion is willing to serve wherever needed. 

 

Jesus ministered in all kinds of ways. 

 

What if Jesus had said, “Blind people aren’t my ministry; I heal the lame”?  Or “You’re a Roman; I only help Jews”? 

 

Jesus washed His disciples’ feet, healed lepers, taught Pharisees, fielded questions from lawyers and peasants.  Jesus played with kids and cleansed the temple.  Nothing and no one was off limits to Him. 

 

Yeah, you say.  That’s Jesus.  Of course He could do everything. 

 

Philippians 4:13 – “I can do all things through him who strengthens me.”

 

God sent the Spirit of His Son into our hearts, the same Spirit from whom we get the terms “spiritual gifts,” and “fruit of the Spirit.”  So no excuses.  If God is leading you to a ministry, whether for five minutes, five days, or for a lifetime, He’s going to supply the gifting.  Remember the idea of spiritual gifts is that they are supernatural.  If we could do it without God, they wouldn’t be spiritual gifts.  Ministry is God’s power working through us.  And that Power, that God, is exactly what the world needs. 

 

Remember the story of Peter and John from Acts 3:6-9 where they heal the lame man?  Peter offers the man first Jesus and second healing.  We need to have that intimacy with God (from spending particular time with Him) that gives us insight into physical and spiritual needs of those around us.  They need Him more than money, free food or good counseling.  Even the people not like the Samaritan’s neighbor, not at death’s door, desperately need to believe that there is a God with Power that they can trust. 

 

So we’re serving out of our intimacy with God, continuing the journey and joining Him in His work.  We serve and bear fruit as we go, when we embrace God’s interruptions of our plans and go out of our way to help, and reach out in all kinds of ways.  You see a person in need.  What do you have to offer? 

–         Compassion that comes because God loves them.  When we spend time with God, we get His heart.  We start to love people because God loves them, and because we love what God loves.  The word compassion is an overflow of feeling.  If it doesn’t produce action, it isn’t compassion. 

–         Compassion that sees their need as more than outward.  Going through our daily lives with God is a good way to keep in mind that there’s more to life than what we see or feel.  People have needs that are physical, and God calls us to care for those in distress.  But God left us on earth to spread the good news. 

–         Passion for God’s glory that can’t hold it in.  Getting to know our God produces more and more enthusiasm for who He is.  Then we can’t help sharing it.  Everyone should know about God; He should get credit from everyone for the goodness that He is and does. 

 

This whole lesson on fruit is based on the idea of abiding in Christ, summed up in John 15:5 – “I am the vine; you are the branches. Whoever abides in me and I in him, he it is that bears much fruit, for apart from me you can do nothing.”  When we have that intimacy with Jesus, we’re like a zucchini vine.  Joanna Weaver writes, “Fruit happens.  You get connected to the Vine and pretty soon you’ve got zucchini – tons and tons of zucchini.  So much zucchini you just have to share!”  If our fruit doesn’t point back to the vine, though, we’re just working.  We’re Marthas, cumbered about with that load of rocks (acts of service or ministry) God didn’t give to us, trying to earn credit from God for all the good things we do.  We’re trying to tackle the whole library.  Christian work is from “walking in the Spirit” (that living room intimacy picking up and moving through the whole house), the Spirit who glorifies Himself, and who gives people what they need and not a cheap substitute.  If all we have to offer the world is our love by ourselves, or our money, or our help – they’re not getting nearly what they need. 

 

Jesus promises that men will recognize His followers by their love (John 13:35), and sure enough, Peter and John were identified as Jesus’ disciples because they boldly healed the lame man in Jesus’ name, and would not be deterred by the religious incumbents, though the apostles were untrained and uneducated.  Jesus had made a noticeable impact on their lives (Acts 4:13). 

 

We had elections in this country last week.  Compare the US to China.  In China the Christians are often officially persecuted for their faith.  But most of them aren’t fighting to transform the government.  They know their real mission – and only hope – is to transform lives.  God changes lives when He is known in His people’s love.  “Chinese Christians devoted themselves to worship and evangelism.  They concentrated on changing lives, not changing laws.”  – Philip Yancey

 

Does the world know WHOSE you are? 

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Strong Willed Part 2

What is a strong-willed person? 

Some people are born strong-willed.  Others work into it.  We might think of them as leaders, independent-minded, strong-willed, or stubborn.  They do not go with the flow.  Usually we recognize them in rebellion. 

 

Let me draw a comparison.  The majority of people are driven by emotion and beliefs.  It has been said that facts are far less powerful than what people believe.  These people feel that the most important thing is being sincere.  Inconsistency means nothing.  Life is lived as though relative.  If they felt it at the time, they did it.  They can be impulsive.  I don’t mean they seem impulsive, but that they really are.  (Wisdom can appear impulsive; if someone has an alert comprehension of a situation and an inherent sense of right and wrong, he will confidently choose very quickly and act on that decision.)  If a person is always true to himself, he is able to be manipulated.  His decisions are thus the floating, sleepy subjective of “follow your heart” – almost animal. 

 

However, a different kind of person is always trying to match himself to an outside ideal, whether pragmatic or spiritual (at the altar of self, of parents, of a romantic interest, a hero, a political ideal, or of God). Sincerity is important; only he wants to sincerely be his ideal, and believes reformation of actions will cause the change.  He still has that impressionable emotional side, but is not capable of being manipulated.  His decisions are on facts, rules, and objective evidence.  Standards are set by what he worships. 

All humans are born not worshiping God.  Self might be worshiped, in which case decisions are whatever self wants to do.  Self will be glorified.  Pain and bribery are nothing if the condition is not what the self wills.  Particularly if subjecting to them would profane independence, the terms are not embraced.  Or the idol might be another person, or a book, or TV show. 

 

There are people who begin as the first type of person and are trained or converted into something else.  Subjective manipulation can birth idolatry of a particular thing, rendering the person anchored, and not blown about with emotion any more. 

 

Conversion can happen for a strong-willed person from one idol to another, but it is not a matter of manipulation.  This is caused by more information about the idols.  No amount of pressure effects a change of mind.  I venture to guess that these people are not easily lied-to, either.  They tend to have a comprehensive view of reality that discerns truth. 

 

So eventually a strong-willed person will discover the truth or die in the process.  Discovering the truth and accepting it are not the same thing.  Many strong-willed people live in determined rebellion against God.  They believe in Him, know what His purpose is, and are not pleased.  They have chosen to worship self, and will not be supplanted.  Like the demons, they believe the truth, shudder, but hate the truth all the same.  In fact it is impossible to fully hate what is unknown. 

 

God can convict even an independent person of their sin, and humble them.  He can also establish formerly unstable, wind-of-the-moment-driven people as His worshipers.  I don’t claim to know how He does it.  I do believe that only He can.  When a person is saved, his spirit is made alive, rendering the sinful nature dead with Jesus on the cross.  Then the will has the power, by dependence on the Holy Spirit, Jesus’ life through them, to choose righteousness.  A strong-willed person recognizes that worship is absolute.  When his worship is given to God, his choices are made to God’s standard. 

 

What he worships, he values supremely in a way that the first kind of person cannot understand.  A strong-willed person understands commitment, is a zealous person, and expects fidelity from others.  He sees priorities as life-statements, reflecting not only the preference of the minute, but the direction of the years.  Yet he understands repentance, because it is a complete turnaround, a replacement of allegiance.  Repentance is not simply the recognition that a particular action is no longer popular or pleasant. 

 

A strong-willed person is not emotionless.  He feels just as deeply, and must reckon with the emotions.  But he cannot let them control him if they contradict his convictions.  This can be simpler, but not easier.  Some strong-willed people, when faced with intense emotional situations, feel torn in two. 

To God be all glory,

Lisa of Longbourn

PS: Remember.  These are confessions of a strong-willed person.  My conclusions might be a little biased.  The object remains to aid communication between stronger and lesser wills.  Let me know what you think. 

 

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Strong Willed Part 1

Why am I writing this series?  On Saturday I went to a jewelry party (like Pampered Chef, Tupperware, PartyLite candles, etc.)  There are rules for how to wear your jewelry!  People are afraid to try something new or not their typical style.  Layers are very “in” right now.  But you can go with a classic look that never goes out of fashion.  My friend who was hosting the party disagreed with some of the fundamentals of wardrobe, and the jewelry saleslady assented, “If it looks good to you, wear it; it’s all about confidence.”  I know my friend is independent-minded.   

Style is a big industry.  People advertise their designer creativity with crazy lines of clothing in fashion shows, and somehow make plenty of money.  This happens even though I don’t see anyone but models wearing those things, and if they’re not wearing them, are they really buying them?   Why do people follow trends, anyway?  The popular girl wore that, so I will too?  We really think the movie star’s life is so wonderful that we want to do everything like them, including clothes and hair? 

Because something is popular, we consider it beautiful?  Or just because it is new and different, edgy, we invest money in it?  I can understand doing that with a car (whose innovations usually look good and have functional improvements in performance).   Apparently advertising agencies run the world.  They created the concept of teenager, which now governs economics, education, family, marriage, morality, justice…  The industry tells us how to spend our money by manipulating emotional, need-to-fit-in people into feeling like they need their products.   

Do we have a choice?  Does God have choices?  What is the meaning of not choosing something?  Is value subjective or objective?  Is value placed on a thing by a chooser, or is it inherent?   The capitalist system of economics is based on the notion that consumers will act on their sense of value.  For example, I value a necklace at the jewelry party, but I value other uses of my money more. 

A wrench is thrown in the theory of capitalism when I say that even though I value something more than my fluid cash, I won’t buy the item because of moral/spiritual convictions.  I may believe that God doesn’t want me to spend money I don’t have, for example.  I believe that $15,000 would be a great deal for a house.  But I don’t have 15 grand, so I’m not acting on my sense of value.  Even if I need a house, or think it is a great investment, I won’t buy.   

God is also teaching me about embracing sacrifice, intentionally going without what I want.  This is part of the concept behind fasting.  Fasting is a huge exercise of will over want.   If I was being sincere, I would tell you how I really feel about fasting.  My convictions tell me that the way I feel is sometimes wrong.  So I will exercise my will in acting upon what I ought to be in order that I may become that ideal in sincerity.   

Finally, I’ve been reflecting on strong-willed people, especially children who try their parents.  Some strong-willed rebels are breaking my heart.  Other strong-willed children are too young to have made life-altering mistakes.  I listen to their parents talk about them, and I wonder if I could help them to understand the puzzles who are their children.  Would it benefit them to know?   Dr. Dobson wrote a book.  I haven’t read it.  He doesn’t seem to be strong-willed to me.  I think President Bush is.  President Reagan was. 

Heroes are strong-willed, fictional or historical.  Villains tend to be that, as well.  In Beauty and the Beast, both main characters are strong-willed.  Think of their argument after she runs away.  But, as the song says, somebody bends unexpectedly.  Notice it doesn’t say somebody was bent.  They bend.  The tense is intransitive.   

I can relate.  This could be titled, “Confessions of a Strong-willed Christian.”  In writing this series, I discovered a lot about myself, and happily connected dots.  I have a friend who thinks that it is inconsistent with the rest of my personality that I like to watch football.  My position is that it must be linked to my fundamental identity.  This has been an exercise in associating who I am with that identity.  But no, I still can’t explain why I like football. 

Still to come:

What is a Strong-Willed Person? 

How Can you Tell if Someone is Strong-Willed? 

What should Parents of Strong-Willed Children Do?  

Is there Hope?  The Good Side of Strong Will.  To God be all glory,

Lisa of Longbourn

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