Zac Poonen emphasizes the importance of recognizing the resources we already possess, as illustrated by the widow in 2 Kings 4:1-7, who had only a jar of oil that became the solution to her debt crisis. He highlights that preachers and believers alike must avoid debt as it tarnishes their testimony, and instead, rely on the Holy Spirit to fulfill their calling. Poonen encourages a secret relationship with God, where one can receive the Holy Spirit's power to clear their debts to the world by sharing the gospel and to the church by showing love. He reminds us that our perceived limitations can be transformed into blessings for others when we act in faith. Ultimately, the message is about being filled with the Holy Spirit to bless not only ourselves but also our neighbors.

Charles Finney addresses the issue of debt, emphasizing that being in debt is a sin against God and a violation of His commands. He explains that the only obligation we should owe to others is love, and that failing to pay debts is unjust and dishonest. Finney urges those in debt to make sacrifices to fulfill their obligations and warns against the dangers of the credit system, which can lead to moral compromise. He calls for a reformation within the Church regarding financial responsibilities, asserting that true religion must influence our business practices.