~Daily Devotion 5th~

On February 26, 1995, Barings, the oldest bank in Britain, announced it was seeking bankruptcy protection after losing nearly one billion dollars in a stock gamble. At the time Barings went under, the bank held assets for Queen Elizabeth, some $100 million according to Time magazine.

In late 1994, the chief trader at Barings's Singapore office began betting big on Japan's Nikkei market. Then disaster struck. An earthquake hit Kobe, Japan, and on January 23, 1995, the Nikkei plunged more than one thousand points.

Barings Bank lost big money. But instead of cutting his losses, Barings's Singapore trader doubled his investment, apparently hoping that the Nikkei would rebound. It didn't. As the Nikkei continued to plummet, Barings's London office put up nearly $900 million to support its falling position on the Singapore investments. Finally Barings ran out of capital and declared bankruptcy.

How could one twenty-eight-year-old trader in Singapore lose nearly a billion dollars and ruin a 233-year-old British bank? According to Time, the problem was lack of supervision.

London allowed (the Singapore trader) to take control of both the trading desk and the backroom settlement operation in Singapore. It is a mix that can be, and in this was, toxic. For a trader to keep his own books is like a schoolboy getting to grade his own tests; the temptation to cheat can be overwhelming, particularly if the stakes are high enough.

Without accountability, temptation becomes all the more tempting. Accountability protects us from ourselves.

First, the Bible teaches that we are accountable to God.

"For we will all stand before God’s judgment seat. It is written: ”‘As surely as I live,’ says the Lord, ‘every knee will bow before me; every tongue will confess to God.’” So then, each of us will give an account of himself to God" (Romans 14:10-12).

"But I tell you that men will have to give account on the day of judgment for every careless word they have spoken" (Matthew 12:36).

Everyday, God holds us accountable for our actions and deeds.

In our lives, we may be able to hide our character flaws and sins from our families, our friends, and our church. But we cannot hide anything from God. God evaluates everything that we do.

(Read Psalm 139:1-8)

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Since we are accountable to God, we need to make sure that we are always striving to please Him by obeying His commandments.

Second, the Bible teaches that we are accountable to one another.

Some things taught in Scripture make us so uncomfortable, we tend to ignore them. The notion of being personally accountable to someone else for our actions is certainly one of them.

Accountability is not a new concept. Each of us is accountable in many ways to different organizations and people. If you have a job, you are accountable to your employer, who expects certain things of you. If you are married, you are accountable. Your spouse and your family expect certain things.

But when it comes to our character and spiritual development, we are prone to resist accountability. "After all," we reason, "that's between me and God. It's nobody else's business."

Yet the Bible teaches that we as brothers and sisters in Christ are to be accountable to one another.

Accountability is a relationship between believers wherein one has invited the other to monitor the development of character in one or more areas.

“If your brother sins, rebuke him, and if he repents, forgive him" (Luke. 17:3).

"Brothers, if someone is caught in a sin, you who are spiritual should restore him gently. But watch yourself, or you also may be tempted. Carry each other’s burdens, and in this way you will fulfill the law of Christ. If anyone thinks he is something when he is nothing, he deceives himself" (Galatians 6:1-3).

Accountability may not be specifically mentioned here, but it is assumed.

How does accountability work?

As Christians, we should give our brothers and sisters in Christ the invitation to evaluate our character and spiritual development.

"My brothers, if one of you should wander from the truth and someone should bring him back, remember this: Whoever turns a sinner from the error of his way will save him from death and cover over a multitude of sins" (James. 5:19-20).

As true genuine Christians, we should welcome correction.

(Proverbs 9:8) "Rebuke a wise man and he will love you."

(Proverbs 25:12) "Like an earring of gold or an ornament of fine gold is a wise man’s rebuke to a listening ear."We should welcome our brothers and sister's correction, for it is valuable.

As Christians, we must have the courage to speak to people who are in need of correction. But, when you do this, you better make sure that your relationship with God is in order. Why? Because if it is not and you go to the person, you are not doing anymore then setting judgment on the person, and more than likely, you are accusing the person falsely.

See, there is a fine line between correction and accusing, and you better be read up, and prayed up, before you take it in your hands to correct someone.

See, you cannot do what the Word tells you to do, if you are not living how the Word tells you to live.

On Monday, February 6, 1995, according to the Chicago Tribune, a Detroit bus driver finished his shift on the Route 21 bus and headed for the terminal. But somehow he took a wrong turn. He didn't arrive at the terminal at the scheduled time of 7:19 P.M., and a short time later his supervisors started looking for him. Meanwhile the driver's wife called the terminal and reported her husband might be disoriented from medication he was taking.

For six hours, the forty-foot city bus and its driver could not be found. Finally the state police found the bus and driver--two hundred miles northwest of Detroit. The bus was motoring slowly down a rural two-lane road, weaving slightly from side to side. The police pulled the bus over, and the driver said he was lost.

A police news release later stated, "The driver had no idea where he was and agreed he had made a wrong turn somewhere. Apparently this had not occurred to him during the four hours he drove without finding the bus depot."

Unless we confront those who have taken a wrong turn in life, they may never regain their orientation.

As faithful servants of the Lord, we must approach people in a loving and gentle way when they make a wrong turn in life. We must approach them because we are accountable to one another.

Brothers, if someone is caught in a sin, you who are spiritual should restore him gently. But watch yourself, or you also may be tempted. Carry each other’s burdens, and in this way you will fulfill the law of Christ. If anyone thinks he is something when he is nothing, he deceives himself" (Galatians. 6:1-3).

If we love the souls of people, we must show that love by encouraging people to leave their life of sin.

We must remember that we are held accountable to God and to one another. We should welcome the loving correction that we

receive from our brothers and sisters in Christ.

But most importantly, we must welcome the correction that we receive from the Word

of God.

If you are not living your life according the will of God, then maybe right now, would be a good time for you to admit your faults, be accountable for your sins, and allow God to heal your spiritual heart.