“There is no shortage of money in the church. There is a shortage of good stewardship. One of the obvious needs of congregations and of denominations is to overcome financial crises. Yet, the great predicament in the church is not a lack of finances, but a lack of stewardship understanding and training in God’s Word, which alone provides the direction and power for Christian giving. Provide a person with understanding, and he (or she) will likely make a proper response through the Spirit’s guidance.”
Waldo J. Werning in Christian Stewards: Confronted and Committed (St. Louis: Concordia, 1982) 1.