Dear Natan: Is it a lack of faith in Elohim to have insurance?

Sonja asked a very good question:

Q. Perhaps this is the right spot to ask a question in regard to faith. I have been pondering a lot lately whether it is a lack of faith in the Lord to have a house insurance. It is very expensive and I would love to give it up. But then I wonder whether I would be putting Adonai our Elohim to the test? Is there anywhere in Scripture where God makes a promise in regard to the protection for our homes? What are your thoughts on this issue?

A. Here is my best answer:

I would answer your question by asking a series of questions:

Is it a lack of faith to:

  • carry a spare tire in your car?
  • to carry a first aid kit when you go camping or hiking in the mountains?
  • to wear a life preserver or have lifesaving equipment when on a boat?
  • to have locks on your home and car?
  • to have a fire extinguisher?
  • to wear a seat belt when driving in a car?
  • to take vitamins and supplements when sickness is going around?

I could go on, but you get the point.

I can’t answer your question directly yes or no. Faith is a personal matter, and each person has to make those decisions based on their faith.

Scripture says that we’re not to tempt Elohim by doing stupid or fool-hardy things.

In my view, there is often a fine line between “living by faith” and “tempting YHVH,” which is foolishness. I cannot tell a person where that line is for them. YHVH may be telling a person to do something that another person with less faith may find to be fool-hardy or tempting YHVH. Samson did a lot of things that could have been considered tempting Elohim by some people’s standards, yet YHVH was with him, and his glowing example of obedient faith is recorded in Hebrews 11.

One more thing. If one can afford to have insurance, door locks, seat belts, spare tires, take vitamins and supplements, and so on, then it seems to me that we should do so. If, however, one is in a place where we either can’t afford it, or such it is just not available to us (we’re living way out in jungle or something), then at that point, I know that YHVH will take care of us.

 

Has He really told you to go up?

Numbers 14:40–45, We … will go up. Here we see the Israelites preparing to go and to possess Canaan in their own strength and against the will of YHVH. Where did this carnally-driven endeavor lead them?

Matthew Henry discusses how this act demonstrates how the carnal mind is enmity against YHVH (Rom 8:7), for when he bade them to go, they would not, and when he forbade the children of Israel from going, that is when they decided to go. They distrusted his strength, and trusted in their own. What was the result of their expedition? Failure!

Let us take warning from the fate of Israel, lest we perish after the same example of their unbelief. Let us go forth, depending on YHVH’s mercy, power, promise and truth. Do you think that the Israelites were rationally aware of what they were doing? We can easily look back in 20/20 hindsight and see the folly of their ways, but let us pray that YHVH gives us the discernment to see when each of us is guilty of the same in our own lives.

From Psalm 37,

Delight yourself also in YHVH, and He shall give you the desires of your heart.  Commit your way to YHVH, trust also in Him, and He shall bring it to pass.…Rest in YHVH, and wait patiently for Him…The steps of a good man are ordered by YHVH, and He delights in his way.

 

Are you walking by faith or by sight?

Numbers 13:2, Send forth men, if you please (The ArtScroll Stone Edition Chumash).The implication here is that Elohim gave Moses permission to send out the spies, but left the final decision up to him. This idea is confirmed in Deuteronomy 1:22 where Moses states that the idea to spy out the land came from the Israelites, not from YHVH. By allowing them to do this, it appears that YHVH was deliberately putting them to the test to see if they would trust him when he had already told them that Canaan was a good land and theirs for the taking with his help. Would they walk by faith in his word and promises or would they have to see the actual land before believing YHVH’s word? 

When YHVH gives you a promise, do you have to see it come to pass before believing it, or are you able simply to begin taking steps of faith toward the fulfillment of the promises without actually seeing any tangible evidence of the end goal? What has YHVH promised you and what steps of faith have you taken toward possessing your spiritual “promised inheritance?” (Note the scriptural definition of faith in Heb 11:1.)

YHVH did not choose the twelve spies, the people did; hence, the name of this parashah, “Send for Yourselves.” When people choose their own leaders the failure rate is high­—in this case ten of twelve leaders were faithless duds. Man-inspired and initiated efforts seldom produce lasting spiritual benefits. This effort ended in the faithless leaders shouting down those who had courage and faith. In the spiritual destiny that YHVH has called you to pursue, do you act like Caleb and Joshua or one of the other ten spies? Are you running upward and onward toward your spiritual inheritance, or are you holding back? Are you hearing the voice of YHVH’s Spirit so that you know what your personal spiritual marching orders are? Do you know how to hear his voice? If not, why not? Most of us sometimes act as Joshuas and Calebs and at times like the other ten spies. We tend to be inconsistent in our spiritual walk. What are you doing to become more like Joshua and Caleb?

Eighteenth-century Christian Bible commentator, Matthew Henry, in his comments on this passage, discusses the demerits of the people’s choice to search out the land of Canaan. He then compares the unbelief of the ten carnal spies with the doubt and unbelief in the walk of the believer. He notes that the motion to search out the land appears to have come from the people (see Deut 1:22). They had a better opinion of their own policy than of Elohim’s wisdom. Thus we ruin ourselves, he says, by believing the reports and representations of sense rather than of divine revelation. We walk by sight, not by faith (pp. 130–131, ­Matthew Henry Concise Commentary on the Whole Bible, Moody Press). 

What is “divine revelation?” One does not hear this concept often discussed. What is it and how does a born-again believer receive it? Henry continues, Difficulties that are in the way of salvation dwindle and vanish before a lively, active faith in the power and promise of Elohim. All things are possible, if they are promised, to him that believes, but carnal sense and carnal professors are not to be trusted. Unbelief overlooks the promises and power of Elohim, magnifies every danger and difficulty, and fills the heart with discouragement. May YHVH help us to believe! We shall then find that all things are possible through him who strengthens us (Ibid.)

 

“Justified By Faith Alone” Vs. “Faith Without Works Is Dead Explained”

James 2:20–24, Faith without works is dead. (See notes at Rom 3:28; 4:2.)James is referring here to the works of faith, not the works of the law. No man can live a good enough life to be saved by his Torah-obedience or the works of the law (Rom 3:20, 28; Gal 2:16; 3:11). 

At the same time, faith in Elohim is more than just mental ascent—“a knowing in your heart.” It has to be backed up by action (and we’re not talking about the works of the law). For example, when Elohim told Abraham to leave Babylon or to sacrifice Isaac, he obeyed by leaving that country and moving to Canaan. 

Moreover, many were healed in Yeshua’s ministry because they had faith in the Master and backed that faith up with corresponding action, which was the evidence of their faith. This faith-action continuum had nothing to do with Torah-obedience per se, but had everything to do with “putting your money where your mouth is” by backing up your faith or belief with action. 

It is this kind of faith that James is talking about here, and this in no wise contradicts the teachings of Paul who said that no man is justified by the works of the law. When Paul declares in Ephesians 2:8–9, “For by grace you are saved through faith, and that not of yourselves; it is the gift of Elohim, not of works…,” he was correct and not opposed to James. What’s more, Paul goes on to say in verse 10, “For we are [Elohim’s] workmanship, created in Messiah Yeshua for good works…that we should walk in them.” These good works (i.e. obedience to the Torah) are the fruits, evidence or proof of our salvation and are the works that back up our faith. 

So, in summary, the Bible teaches that we need the faith (a heart that believes and wants to obey Elohim) to lead us to salvation, as well as the works of faith after we have received Elohim’s free gift of salvation as evidence that we are saved. This fact in no way contravenes the reality of salvation by grace through trusting belief in Yeshua the Messiah, which is apart from the works of the Torah-law.

 

Between “Devil” and “the Deep Blue Sea”?

Exodus 14:13–15, And Moses said. The first four statements that Moses makes in these two verses presupposes the four fear responses the Israelites would naturally have had when pinned between the Egyptian army and the Red Sea.

  • To those who wanted to commit suicide by fleeing, and since there was nowhere to go, fleeing meant certain death either by drowning in the sea or by Pharaoh’s army, Moses said, “Do not be afraid. Stand still and see the salvation [Heb. Yeshua] of YHVH.” 
  • To those who wanted to go back to Egypt, Moses said, “The Egyptians whom you see today, you shall see no more.” 
  • To those who wanted to fight, Moses said, “YHVH will fight for you.” 
  • To those who wanted to just complain, or even to pray about their plight, Moses said, “Hold your peace.” 

When faced with similar impossible situations, we typically have the same responses as that of the children of Israel, when all we have to do is to stand still in faith and wait on YHVH to supernaturally deliver us. But there’s more. Faith isn’t passive. It’s active. This is where the fifth statement—this one made by YHVH—comes into play. 

YHVH command the Israelites to “Go forward” in faith! YHVH expected Moses, the leader, to lead the way. YHVH told the Israelites to confront their fears including the fear of death and to step into the Red Sea. Only when the people’s leader stepped forward in faith and placed his foot into the Red Sea did the sea part and the deliverance of YHVH became evident.

Note what Moses told Israelites in this first statement: “Stand still and see the salvation [Heb. Yeshua] of YHVH.” As already noted previously, the pre-incarnate Yeshua the Messiah was the Messenger of YHVH who was with the children of Israel in the fire cloud positioned between the Israelites and the Egyptians. When Yeshua the Messiah is in your camp, there is nothing to fear! This was a lesson in faith that the Israelites had to learn—and one we have to learn as well. Let’s not forget the words of the apostle:

I can do all things through Messiah which strengthens me. (Phil 4:13)

Nay, in all these things we are more than conquerors through [Messiah] that loved us. (Rom 8:37)

What shall we then say to these things? If Elohim be for us, who can be against us? (Rom 8:31)

Exodus 14:13, Salvation. The word salvation here is the Hebrew word Yeshua. Think about this for a moment in light of the context in which this word is found in this story, and the implications for our own lives when we’re confronted with difficult situations.


 

Are we walking by faith or by sight?

Exodus 6:9, They did not heed…because. When our eyes are totally focused on our circumstances and we fail to acknowledge Elohim in all things (Prov 3:5–6), and be thankful to him for all things (Eph 5:20; 1 Thess 5:18), we will fail to see the higher and grander purposes he is working out in our lives for his glory and for our blessing.

Now faith is the substance of things hoped for, the evidence of things not seen. (Hebrew 11:1)

For we walk by faith, not by sight. (2 Cor 5:7)


 

Do you see and believe, or doubt and mock?

Luke 1:41–45, When Elizabeth heard. During this greeting, Elizabeth had a spiritual encounter that helped her to connect the dots to understand what was going on in YHVH’s divine plan for John and Yeshua.

By now, it is likely that Zechariah would have revealed to her the angel’s previous message (vv. 13–17). Now when the babe leapt in her womb at Mary’s arrival, and she was filled with the Spirit (a visceral experience), and then prophetic words came out of her mouth, this was evidence and confirmation to both Elizabeth and Zechariah of YHVH’s plans for their son.

YHVH has supernatural ways of conveying his divine will to his people, so that only people of faith will see and understand his ways and his plans for their lives. All others, unless confronted with visible signs and empirical evidence (as verified by logic, or observable evidence or experience), will dismiss these spiritual revelations and circumstances as delusion.

Even when signs and miracles occur, it is unlikely that the hard hearted unbeliever will even then believe YHVH. This was often the case with the children of Israel and many who saw the miracles surrounding Yeshua’s ministry.

In the face of supernatural occurrences, sadly and to their own detriment, the unbelievers usually resort to mockery and to scoffing ridicule. Those, on the other hand, who walk by faith and hear the voice of YHVH and know his ways of communication and will remain undeterred, will have their faith strengthened, and will follow Elohim wherever he leads them.