1030 - Payment Plan
Friends: Western commercial culture insists that everything has a price. What if an ultimate price is really an expression of ultimate love?
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Spirituality
column #1030
August
11, 2026
Common
Christianity / Uncommon Commentary
Payment
Plan
By
Bob Walters
“For
God so loved the world that he gave his only begotten son …” – Jesus, John 3:16
The
following puts me at friendly odds with every evangelical preacher I can think
of, but I think modern western Christianity has it wrong, or at least
misdirected, by insisting Jesus died as a “payment” for our sin. I.e., a
quid-pro-quo transaction, not grace and love.
In
Orthodox circles, this transaction of the cross – an idea Anselm of Canterbury
conceived in the early 1200s that grew into the stubbornly western mainstream
doctrine of “penal substitutionary atonement” – is considered worse than
head-shaking bad teaching. To the Orthodox, it is more like a heresy and
considered an insult to Christ.
Now,
we hear about Jesus “paying the price” every Sunday. It fits our western,
commercial culture of cost and reward, penalty and payment, punishment and prize,
etc. If we do something good, we get something good. If we do something bad, we
get something bad. But we all know that’s not an accurate picture of how the
world and humanity work.
Jesus,
God’s son, the only perfect human, was given by God into the world, into
humanity, to restore our divine relationship with our Creator; a relationship
that was broken in the fall. Curses aside (read Genesis 3 for a refresher), God
pursued humanity and Jesus was point of reconnection. In Jesus we know God is
real, because Jesus was with us, and sacrificed mightily to cover our sins,
ransom our souls, and restore us to God.
We
think, generally, of sacrifice and ransom as payment options. But what if
instead of a transactional installment payment, the Cross was a positive action
of love? What if the Cross isn’t a metaphor for “final payment,” but instead is
a freeing sacrifice of faith?
I
see the Cross not as the wrath-driven payment of an ultimate price, but the gracious
expression of an ultimate love. Do we see God’s wrath in the Bible? Sure, but
we also see His righteousness and His truth. When Jesus says in John 14:6, “I
am the way and the truth and the life,” that is God saying to humanity that
His righteousness, commands, truth, and
sacrifice are unassailable and reveal the heavenly realms of His existence.
We
diminish it horribly, I think, by defining Christ’s person and faith with a
price tag.
It’s
not just a linguistic trick or a moot point of semantics – a gift vs. payment –
that sustains this view in my mind.
There is the practical, obvious question of, “If Jesus paid a price, to
whom did he pay it?” Certainly not to God, because He is God. And certainly not to Satan, because God owes
Satan nothing. Atonement and ransom are conditions that result in forgiveness
and freedom. The cross is an invitation of faith, in faith, through faith.
And
if 1 John 4:8 is correct, that “God is love,” think about the maximum
and defining loves in our own lives. Is
my love for my wife a payment plan? Or for my children, my grandchildren, the
friends in my life I cherish the most? Or for my country?
My
longtime Bible mentor George Bebawi always willingly swam upstream on this
issue of the Cross as a payment vs. the free grace of God’s love. He was a
Coptic priest (Egyptian Orthodox), multi-lingual Bible translator, a divinity
lecturer at Cambridge University, England, among other places, and renowned
Patristics expert, the study of the early church and the church fathers. I
studied with him for nearly 20 years,
George
would joke that if modern Western evangelism and substitutionary atonement were
correct, then John 3:16 should read, “For God was so mad at the world that he
killed his only son.” That’s because we see salvation as a “deal,” not perfect
love.
We
see God’s wrath and Jesus’s punishment, not righteousness and obedience.
I
could go on. I don’t write about this often, but I think about it all the time.
Christianity survived its first millennia without “penal substitutionary
atonement.” The Bible was taken at its word, and the glory of Christ was not
reduced to a payment. I like that.
Walters (rlwcom@aol.com)
wrote about this in 2015; see “The Price is (not)
Right.”