sin debt

Debt Relief

36 One of the Pharisees asked him to eat with him, and he went into the Pharisee’s house and reclined at table. 37 And behold, a woman of the city, who was a sinner, when she learned that he was reclining at table in the Pharisee’s house, brought an alabaster flask of ointment, 38 and standing behind him at his feet, weeping, she began to wet his feet with her tears and wiped them with the hair of her head and kissed his feet and anointed them with the ointment. 39 Now when the Pharisee who had invited him saw this, he said to himself, “If this man were a prophet, he would have known who and what sort of woman this is who is touching him, for she is a sinner.” 40 And Jesus answering said to him, “Simon, I have something to say to you.” And he answered, “Say it, Teacher.”

41 “A certain moneylender had two debtors. One owed five hundred denarii, and the other fifty. 42 When they could not pay, he cancelled the debt of both. Now which of them will love him more?” 43 Simon answered, “The one, I suppose, for whom he cancelled the larger debt.” And he said to him, “You have judged rightly.” 44 Then turning toward the woman he said to Simon, “Do you see this woman? I entered your house; you gave me no water for my feet, but she has wet my feet with her tears and wiped them with her hair. 45 You gave me no kiss, but from the time I came in she has not ceased to kiss my feet. 46 You did not anoint my head with oil, but she has anointed my feet with ointment. 47 Therefore I tell you, her sins, which are many, are forgiven—for she loved much. But he who is forgiven little, loves little.” 48 And he said to her, “Your sins are forgiven.” 49 Then those who were at table with him began to say among themselves, “Who is this, who even forgives sins?” 50 And he said to the woman, “Your faith has saved you; go in peace.” – Luke 7:36-50 ESV

Almost as if on cue, Jesus gets an opportunity to demonstrate exactly what he meant He described “the people of this generation” as “children sitting in the marketplace and calling to one another” (Luke 7:31, 32 ESV). Jesus portrayed the unbelievers who refused to accept Him and John the Baptist like petulant children who always have to have their own way.

“‘We played the flute for you, and you did not dance;
    we sang a dirge, and you did not weep.’’ – Luke 7:32 ESV

And it just so happened that one of these childish, self-absorbed, and unbelieving individuals invited Jesus into his home for a meal. He was a Pharisee, a member of one of the leading religious sects of the day, which meant he was a very powerful and influential man in the community.

Luke does not reveal the motivation behind Simon’s invitation, but it would appear from the context that he was not a follower of Jesus. It seems much more likely that he was either curious to find out more about this mysterious Rabbi from Nazareth or he had been commissioned by the Sanhedrin to catch Jesus in a trap. It could be that the entire affair was a set-up, including the sudden appearance of the woman. Simon may have prearranged for her to show up on cue so that he could see how Jesus would react. In a sense, Simon the Pharisee wanted to see if Jesus would “dance to his tune.” Would He respond to this woman in an appropriate manner, recognizing her as a sinner and treating her accordingly, or would He prove HImself to be “a friend of tax collectors and sinners” (Luke 7:34 ESV)?

What’s fascinating is that Jesus accepted Simon’s invitation, even though He was probably aware of his intentions. And as they reclined together at the table to share a meal, an unidentified woman appeared. Luke does not provide her name, but simply identifies her as “a woman of the city, who was a sinner” (Luke 7:37 ESV). The Greek word Luke used is hamartōlos and it refers to someone “devoted to sin.” While there has been much speculation regarding the woman’s particular sin, Luke doesn’t provide any details. Throughout the passage, she is simply referred to as a sinner, even by Simon. It was not uncommon for the Pharisees and other religious leaders to refer to all people of the lower class as sinners because they failed to live up to their impossible standards. These arrogant and pride-filled men viewed themselves as spiritually superior because they believed themselves to be scrupulous when it came to keeping the law. But in their self-righteous minds, the average Jew was nothing more than a law-breaking sinner who refused to dance to the tune they were playing. And this woman was just such a hopeless and helpless case.

But this “sinner” came in search of the Savior. Whether she had been hired by Simon or had simply heard that Jesus was a guest in Simon’s home, she came prepared with a gift with which to bless Jesus. In a sense, she brought a sin offering with which to anoint the Son of God. Luke describes the scene:

Then she knelt behind him at his feet, weeping. Her tears fell on his feet, and she wiped them off with her hair. Then she kept kissing his feet and putting perfume on them. – Luke 7:38 NLT

Jesus would have been laying on his side, His elbow resting on a pillow and his head nearest the table. His feet would have extended away from the table. So, this woman came up behind Him and began to pour the expensive perfume on His feet and clean His feet with her own hair. It is interesting to note that Simon makes no attempt to stop her. This lends credibility to the idea that he had expected her arrival. Simon simply watched the woman, silently ridiculing Jesus for His apparent ignorance of her sinful state.

“If this man were a prophet, he would know what kind of woman is touching him. She’s a sinner!” – Luke 7:39 NLT

Simon judged Jesus. He condemned Jesus for failing to recognize this woman as unworthy to be in their presence. But Simon failed to recognize that Jesus knew exactly what he was thinking. Jesus had quietly allowed the woman to do what she did, all the while knowing what was going through Simon’s mind and the woman’s heart. So, when she had finished, Jesus said to Simon, “I have something to say to you” (Luke 7:40 ESV).

Simon diplomatically refers to Jesus as a teacher, but in his mind, Jesus had lost all credibility. Jesus’ decision to allow Himself to be touched by this sinful woman had rendered Him unclean and unworthy of Simon’s respect. In Simon’s mind, Jesus was no more the Messiah than He was a prophet. He was just an itinerant Rabbi from the backwater town of Nazareth who was a friend of the dregs of society.

But Jesus responded to Simon by telling him a story.

“A man loaned money to two people—500 pieces of silver to one and 50 pieces to the other. But neither of them could repay him, so he kindly forgave them both, canceling their debts. Who do you suppose loved him more after that?” – Luke 7:41-42 NLT

Jesus returned the favor and set Simon up. He told him a simple story about two people who had sizeable debts forgiven. Neither individual was capable of clearing up their debt on their own. They were hopelessly and helplessly obligated to their lender and facing possible indentured servitude in order to fulfill their financial indebtedness. But to their surprise and joy, each had their entire debt forgiven. And Jesus asks the Pharisee which one of these individuals would have had the greater reason for gratitude and love.

Simon knows the right answer but seems a bit reluctant to share it. He seems to know he is being set up. But he responds, “I suppose the one for whom he canceled the larger debt” (Luke 7:43 NLT). Simon could sense what Jesus was doing but there was nothing he could do about it. The answer was obvious and so was Jesus’ point. Simon was smart enough to know that the two characters in the story represented him and the woman. Simon fully understood that Jesus was inferring that he too was a sinner. And Jesus affirmed the correctness of Simon’s answer.

“You have judged rightly.” – Luke 7:43 ESV

In quoting Jesus’ response, Luke uses the Greek word krinō. This word has a variety of meanings. It can mean “pronounce an opinion concerning right and wrong ” or “to pass judgment on the deeds and words of others.” It seems that Jesus is confirming two different things about Simon. He had been correct in his judgment of the woman as a sinner and he had given the correct answer to Jesus’ question. And in answering the question correctly, Simon had judged himself to be a sinner as well. In fact, he had unknowingly confessed his indebtedness to God and his inability to repay what he owed. He stood in need of forgiveness just like the sinful woman he so despised.

And Jesus confronted Simon for his insensitivity and judgmentalism by comparing his actions with those of the penitent and grateful woman.

“Look at this woman kneeling here. When I entered your home, you didn’t offer me water to wash the dust from my feet, but she has washed them with her tears and wiped them with her hair. You didn’t greet me with a kiss, but from the time I first came in, she has not stopped kissing my feet. You neglected the courtesy of olive oil to anoint my head, but she has anointed my feet with rare perfume.

“I tell you, her sins—and they are many—have been forgiven, so she has shown me much love. But a person who is forgiven little shows only little love.” – Luke 7:44-47 NLT

By her actions, the woman had shown her awareness of the overwhelming nature of her sin debt. She sacrificed her dignity and her livelihood in order to express her sorrow for her sin and her hope for forgiveness. She never said a word to Jesus but her actions clearly indicated how much she longed to be cleansed from her sin. But Simon had done nothing. He hadn’t even shown Jesus the common courtesies that any host would show a guest in their home. He had invited Jesus into his home but then failed to treat Him with the respect and honor He deserved as the Son of God. Simon didn’t feel as if he owed Jesus anything because he didn’t think he was a sinner in need of a Savior.

And Jesus reveals the ignorance of Simon’s self-righteous perspective.

“…a person who is forgiven little shows only little love.” – Luke 7:47 NLT

In essence, Simon showed Jesus no love at all because he saw himself as owing nothing to God and in no need of forgiveness. But in a shocking display of His divine authority, Jesus turned to the woman and said, “Your sins are forgiven” (Luke 7:48 NLT). And at this point, Luke reveals that there were others reclining at the table with Simon and Jesus. We have no idea who there were, but it is likely that they were peers of Simon. Their response to Jesus’ statement reveals their surprise and incredulity at His words.

“Who is this man, that he goes around forgiving sins?” – Luke 7:50 NLT

They are appalled at Jesus’ audacity. He was claiming the right to forgive sins, something only God could do. And Jesus, knowing their thoughts, adds fuel to the fire burning in their hearts by telling the woman, “Your faith has saved you; go in peace” (Luke 7:50 NLT). Jesus was clearly insinuating that it was the woman’s faith, not her sacrifice that had led to her salvation. It was not the expensive perfume or her selfless act of washing His feet that had led to her forgiveness and salvation, but her belief that He had the right and authority to forgive her insurmountable sin debt.

English Standard Version (ESV) The Holy Bible, English Standard Version. ESV® Permanent Text Edition® (2016). Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers.

New Living Translation (NLT) Holy Bible, New Living Translation, copyright © 1996, 2004, 2015 by Tyndale House Foundation. Used by permission of Tyndale House Publishers Inc., Carol Stream, Illinois 60188. All rights reserved.

The Message (MSG)Copyright © 1993, 1994, 1995, 1996, 2000, 2001, 2002 by Eugene H. Peterson

The Standard For Forgiveness

23 “Therefore the kingdom of heaven may be compared to a king who wished to settle accounts with his servants. 24 When he began to settle, one was brought to him who owed him ten thousand talents. 25 And since he could not pay, his master ordered him to be sold, with his wife and children and all that he had, and payment to be made. 26 So the servant fell on his knees, imploring him, ‘Have patience with me, and I will pay you everything.’ 27 And out of pity for him, the master of that servant released him and forgave him the debt. 28 But when that same servant went out, he found one of his fellow servants who owed him a hundred denarii, and seizing him, he began to choke him, saying, ‘Pay what you owe.’ 29 So his fellow servant fell down and pleaded with him, ‘Have patience with me, and I will pay you.’ 30 He refused and went and put him in prison until he should pay the debt. 31 When his fellow servants saw what had taken place, they were greatly distressed, and they went and reported to their master all that had taken place. 32 Then his master summoned him and said to him, ‘You wicked servant! I forgave you all that debt because you pleaded with me. 33 And should not you have had mercy on your fellow servant, as I had mercy on you?’ 34 And in anger his master delivered him to the jailers, until he should pay all his debt. 35 So also my heavenly Father will do to every one of you, if you do not forgive your brother from your heart.” –  Matthew 18:23-35 ESV

In an effort to drive home His message regarding forgiveness, Jesus told His disciples a parable. It’s important to remember that this whole section of Matthew’s gospel had begun with an argument among the disciples about who among them was the greatest in the kingdom of heaven. They were obviously thinking that Jesus was going to set up a kingdom on earth where they would rule and reign alongside Him. That’s why the two brothers, James and John, had asked Jesus to do them a favor.

“When you sit on your glorious throne, we want to sit in places of honor next to you, one on your right and the other on your left.” – Mark 10:37 NLT

Their perception of the kingdom was all about power, position, and prominence. But Jesus was attempting to show them that it was about character and conduct. The day was coming when Jesus would establish His kingdom on earth, but that would not take place until after the Great Tribulation – an event reserved for the end of the age. In the meantime, those who would become members of His spiritual kingdom were to lives marked by humility, compassion, forgiveness, and love.

Jesus had come to change the hearts of men and, as a result, their outward behavior. Rather than arguing about who was the greatest, the disciples should have been introducing others to the Messiah. They should have been following the example of Jesus by serving the needs of those who were burdened by the cares of this world.

One of the marks of a follower of Jesus Christ should be a capacity to forgive others as they have been forgiven by God. Peter wanted to put a limit on how many times he should have to forgive a brother who sinned against him. He chose the number seven. But Jesus raised the ante by stating, “I do not say to you seven times, but seventy-seven times” (Matthew 18:22 ESV). In essence, there was to be no limit. Just as God puts no limit on the number of times we can come to Him for forgiveness.

If we confess our sins, he is faithful and just to forgive us our sins and to cleanse us from all unrighteousness. – 1 John 1:9 ESV

At the dedication of the temple in Jerusalem, Solomon had prayed, “May you hear the humble and earnest requests from me and your people Israel when we pray toward this place. Yes, hear us from heaven where you live, and when you hear, forgive” (1 Kings 8:30 ESV).  Solomon went on to give a list of what-if scenarios, describing situations in which the people of God might sin against God and then call on Him for forgiveness. Because he knew it was inevitable that they would sin.

“The time will come when your people will sin against you (for there is no one who is sinless!) and you will be angry with them and deliver them over to their enemies, who will take them as prisoners to their own land, whether far away or close by. When your people come to their senses in the land where they are held prisoner, they will repent and beg for your mercy in the land of their imprisonment, admitting, ‘We have sinned and gone astray; we have done evil.’ When they return to you with all their heart and being in the land where they are held prisoner, and direct their prayers to you toward the land you gave to their ancestors, your chosen city, and the temple I built for your honor, then listen from your heavenly dwelling place to their prayers for help and vindicate them. Forgive all the rebellious acts of your sinful people and cause their captors to have mercy on them.” – 1 Kings 8:46-50 NLT

Solomon greatly desired that God would extend forgiveness, regardless of the circumstances involved or the number of times a request was invoked. Unlike Peter, Solomon wanted God to place no numerical limits on God’s forgiveness.

Like Solomon, we expect God to forgive us, regardless of the nature of our sin or the number of times we ask. Which brings us to Jesus’ parable. He used a story to drive home His message about forgiveness and life within His kingdom. A certain king called together his bondservants, requiring them to settle their debts with him. In this parable, the debts symbolize sin. The inference in the story is that all of the king’s bondservants owed him something. Remember the words of Solomon: “for there is no one who is sinless!”

One particular bondservant owed the king 10,000 talents. To understand the magnitude of this man’s debt, you have to realize that, at that time, a single talent was equivalent to 20-years wages for a servant. This man’s debt was astronomical and beyond his capacity to repay. So, the king ordered that the man, his family, and all his possessions be sold in order to recoup some of the loss. But the man begged the king for leniency. He knew he was at the king’s mercy and, in spite of the magnitude of his debt, he asked the king to give him time to come up with the money.

This was an absurd request. The servant and the king both knew that repayment was impossible. We are not told how the servant amassed such a debt, but his ability to make restitution was well beyond his means. The king, in an attempt to cut his losses, determined to sell the man and his family as slaves. But the servant begged the king for time, vowing to pay his debt in full. Amazingly, in a display of pity for the man’s predicament, the king “released him and forgave him the debt” (Matthew 18:27 ESV).

Don’t miss that last part. It is essential to understanding this parable. The king didn’t give the man extra time. He didn’t lower the interest rate on the note or decrease the amount owed. He forgave the man’s entire debt. He wiped the slate clean.

But rather than rejoicing at this incredible news, the forgiven man immediately accosted a fellow servant who owed him money. This man’s debt was a hundred denarii. A denarius was worth a single day’s wages for the average servant. From the debtor’s perspective, it was a lot of money, but nothing when compared to the amount the first man had owed. And yet, the forgiven servant demanded immediate payment. He wanted the debt settled at once. And his fellow servant responded just as he had, saying, “Have patience with me, and I will pay you.” But rather than pass on the grace and mercy he had been shown, the man had his fellow servant thrown into jail.

When the king was informed that one of his servants had been jailed, he was surprised and angered. Calling in the ungrateful servant, the king told him, “Evil slave! I forgave you all that debt because you begged me! Should you not have shown mercy to your fellow slave, just as I showed it to you?” (Matthew 18:32-33 NLT).

This man had been forgiven a great debt – one he could have never repaid. The king had given him what he did not deserve and what he had not asked for: Complete forgiveness of his debt. But then the man had turned around and had refused to extend forgiveness to someone else. It was the apostle Paul who stressed the need for believers to forgive as they have been forgiven.

Make allowance for each other's faults, and forgive anyone who offends you. Remember, the Lord forgave you, so you must forgive others. – Colossians 3:13 NLT

Instead, be kind to each other, tenderhearted, forgiving one another, just as God through Christ has forgiven you. – Ephesians 4:32 NLT

It’s important to notice the punishment meted out by the king. He has the man thrown in jail “until he should pay all his debt.” The inference, based on the size of the debt, is that the man will spend an eternity in jail. Even if he was still able to earn a normal day’s wage, it would take him 200,000 years to repay the debt.

And Jesus dropped a bombshell on His disciples by announcing, “So also my heavenly Father will do to every one of you, if you do not forgive your brother from your heart” (Matthew 18:35 ESV). Was Jesus announcing that eternal punishment awaits those who refuse to forgive? Was He teaching the possibility of the loss of our salvation? It would seem, based on the context in which Jesus told this parable, that He is simply trying to stress the extreme importance of forgiveness. It is to be a cardinal characteristic of the true follower of Christ. And it is those who recognize the degree of their sin debt and the remarkable grace of God’s forgiveness, who will be willing to express their gratitude by extending forgiveness to others. A man who has been forgiven much, but who refuses to forgive others, has never fully recognized the magnitude of his own sin debt. He is driven by pride, not humility. He is marked by arrogance, not gratitude.

At one point in His ministry, Jesus had his feet washed by a woman whom Luke referred to as immoral. The shocked Pharisees called her a sinner. But Jesus stated, “I tell you, her sins—and they are many—have been forgiven, so she has shown me much love. But a person who is forgiven little shows only little love” (Luke 7:47 NLT).

Our sin debt is great. It is beyond our capacity to repay. And yet, Jesus died on the cross in order to ransom us from that debt. He paid the price we could not pay. And our gratitude for what He has done for us should show up in our willingness to forgive those who sin against us. 

English Standard Version (ESV)
The Holy Bible, English Standard Version. ESV® Permanent Text Edition® (2016). Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers.

New Living Translation (NLT)
Holy Bible, New Living Translation, copyright © 1996, 2004, 2015 by Tyndale House Foundation. Used by permission of Tyndale House Publishers Inc., Carol Stream, Illinois 60188. All rights reserved.

The Message (MSG)Copyright © 1993, 1994, 1995, 1996, 2000, 2001, 2002 by Eugene H. Peterson