“The best way in the world to deceive believers is to cloak a message in religious language and declare that it conveys some new insight from God.”
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The difficulties we face originate from one of three sources. Some are sent to us by the Lord to test our faith, others are the result of Satan's attacks, and still others are due to our own sinful choices.
Fear stifles our thinking and actions. It creates indecisiveness that results in stagnation. I have known talented people who procrastinate indefinitely rather than risk failure. Lost opportunities cause erosion of confidence, and the downward spiral begins.
When we learn from experience, the scars of sin can lead us to restoration and a renewed intimacy with God.
I think a lot of people, even Christians, are willing to be satisfied with gaining lots and lots of biblical knowledge - and many people go to Bible studies and don't realize it isn't enough to know what's right, it's applying the information and the knowledge that you have.