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.

William MacDonald emphasizes the importance of financial responsibility in his sermon 'Owe No Man Anything,' interpreting Romans 13:8 to mean that while some debts are unavoidable, Christians must avoid unnecessary debt and live within their means. He warns against the dangers of overspending, borrowing for depreciating assets, and the consequences of financial irresponsibility, which can harm one's testimony as a Christian. MacDonald highlights that the only debt Christians should maintain is the obligation to love one another, which fulfills the law and strengthens community bonds.

George Mueller emphasizes the importance of adhering to God's word in matters of financial responsibility, particularly regarding the dangers of becoming surety for others' debts. He warns that Satan often deceives individuals into believing there is no risk involved, but scripture clearly advises against such actions. Mueller outlines critical considerations before agreeing to be a surety, including the motivations behind the request, the potential harm to others, and the necessity of being able to fulfill the obligation without dishonoring God. Ultimately, he stresses that one must not ignore God's clear guidance on the matter.