Why is being a debtor a bad thing? You could look at it from an economic standpoint. If you owe money, then that is a liability – which is usually a bad thing. But while it is true that piling up debts is not good for your economic status, that is not Paul's central concern. The reason why you should owe no one anything is because being slow to repay a debt demonstrates a lack of love. If you owe someone something, then every day that you withhold it from them, you are saying that they are not important enough for you to honor your obligation. The upshot of this is that it is not wrong to have a mortgage: What you “owe,” in Paul's terms, is your monthly mortgage payment. But if you fall behind in your mortgage or if you fail to pay other debts, then you are withholding from that person what is rightfully his. Paul says “owe no one anything” because the only debt we should have is the debt to love one another.
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