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The text raises a question on points which, in mercantile phraseology, would be designated —

I. THE BUSINESS.

1. A merchant, embarked in an extensive foreign trade, has fallen into the habit of doing a good deal of petty business at home on which the profit is small; but it is near, and therefore occupies time out of all proportion to its worth. In the meantime rumours are rife that in one foreign market prices had suddenly fallen before his goods arrived; that in another his agents had sold his cargo and absconded; and that in a third direction an investment, not insured, had been lost at sea. He declines to examine these reports, because he does not like the subject; and to keep his mind free from painful reflections he throws himself with redoubled energy into his huckstering, and exults over the halfpence of profit which each transaction produces. The man is mad, you say. He is. But probably "thou art the man."

2. We are all merchants. We have business with both worlds; but our stake in the one is slight, in the other all but infinite. It becomes, therefore, an important question whether our attention to these two is in due proportion to their comparative worth. Alas! there are many foolish traders who are anxious about the balance of their accounts for time, and leave the interests of eternity to sink or swim.

3. Paul was a diligent and energetic man. Had he been a merchant, the keenest wit in all the Exchange could not have overreached him. He closely examined the worth of an article, and nicely calculated how much it would bring. He embarked all in one business, and then pushed it to the uttermost. He did not neglect the necessary affairs of this life, but his treasure was in heaven, and his heart followed it.

II. THE DEBT.

1. However good men's position in the present world, in their greatest business all begin in debt, and no efforts of their own can ever discharge it. Some heirs would fain get quit of their heritage. When a man discovers his property is burdened beyond the worth of all that he has or can ever hope to win the consequences are disastrous. If there were any hope of success, he might strive by industry to diminish gradually his burden; but the debt is obviously so great that, in spite of all his efforts, its amount will grow greater every year. He loses heart, and abandons himself to his fate. Such is the condition of men in relation to God. We are born with a debt, and the amount of our liabilities has increased and is still increasing day by day. In this extremity a Daysman comes in between the Judge and the guilty and pays the debt. "There is therefore now no condemnation to them that are in Christ Jesus." The handwriting that was against us is blotted out; the bond is cancelled, and we are free.

2. The forgiven sinner is clear in the book of God's judgment; but he owes much to his Redeemer. He is as deeply in debt as ever, but it is now a debt of gratitude. It is greater than he can ever pay; but the more he realises its greatness the happier he grows.

3. But Paul confesses here that he is a debtor to man — to every man. How comes this? Thus: In the complicated processes of modern merchandise a man often finds himself in debt to unknown persons. You have done business with a merchant at a distance, and the result is a pecuniary balance in his favour, while in transactions with another party the balance is against him. With a view to the convenience of himself and his correspondent, instead of getting money from you and paying it to his creditor, he hands over to that creditor the claim which he holds against you; or, to make the analogy more complete, the merchant to whom you owe money desires to help certain destitute persons in your city, and to them makes over the bill as an equivalent for money. The person who possesses that claim so transferred presents it for payment, and you must pay. Thus you become debtors to persons whom you never saw. Thus Paul became a debtor to the Greeks; and he owed all that he had and was to Christ, who transferred his claim, and Paul was bound to honour it. So wherever there is a man in want, spiritual or temporal, there a legal claim is presented to the disciples of Christ; and if they repudiate they dishonour their Lord. This principle is exhibited in the story of the woman with the alabaster box of ointment (Mark 14:3-9).

4. The root and life of true religion is personal devotion to a personal Redeemer; thereafter and thereon grows active service in his cause. These are the first and second commandments of the New Testament decalogue. Neither of these can thrive alone. Devotion without work degenerates into monkery; work without devotion sinks into a shallow, fitful secularism. If we have got mercy from Christ, we owe mercy to men.

5. Nor does the world's apathy release a Christian from his obligations. If a company of poor people held a claim against a citizen, and if he should take advantage of their ignorance and poverty to evade the payment, he would be a dishonourable man. In like manner, although those who now hold Christ's claim on us, not knowing its value, do not present it for payment, we are bound in honour to seek them out and discharge our obligations.

III. THE COMPOSITION; in what manner and to what amount the insolvent proposed to pay. Carefully observe that the most devoted life is not offered as an adequate return to the Saviour. As well might a man purchase his pardon at first from the Judge as repay the Redeemer for it afterwards. He pays, not in the spirit of bondage, but in the spirit of grateful love; not that he looks to a time when the debt will be paid off, but that he delights in the act of paying it. Having announced his principle, Paul plunged at once into its practical details (ver. 15). Adopting the natural and Scriptural order, we shall suggest first some installments of the debt that are due to parties —

1. At home. It is not necessary that the debtors should go far away in order to find a person authorised to receive the payments. The original creditor has secured that properly qualified receivers should be at band. Wherever there is being in wretchedness within your reach, to that human being you am a debtor. Behold the open spring of all home mission effort! When certain institutions which at first were supported by voluntary contributions were transferred to a tax imposed on the community by imperial authority the difficulties of the managers disappeared. Ah, the treasury of mission would always be full if the authority of Christ were as effective in the hearts of Christians as that of the government! But let it not be supposed that it is in money only or chiefly that Christians should pay their debt. Personal service is the legal tender, and it is only to a limited extent that money may be received as an equivalent. Personal dealing is the need of our day.

2. Abroad. A rich man dies, leaving a large family of young children, of whom another rich man obtains the guardianship. Partly by law and partly by violence he drives off all competitors and constitutes himself sole trustee of the wealthy minors. He then proceeds to enrich himself out of the inheritance of his wards. We have masterfully, not to say unjustly, ousted all other claimants, and assumed absolute guardianship over the vast populations of India. We have enriched ourselves by the inheritance of those little children. As a Christian nation, therefore, we are debtors to them.

(W. Arnot, D. D.)

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KJV: I am debtor both to the Greeks, and to the Barbarians; both to the wise, and to the unwise.

WEB: I am debtor both to Greeks and to foreigners, both to the wise and to the foolish.