What does Psalm 37:21 mean?
What is the meaning of Psalm 37:21?

The wicked borrow

Psalm 37:21 opens, “The wicked borrow…”. The focus is on an attitude of entitlement.

• Borrowing itself is not condemned; Scripture permits it (Exodus 22:14) but warns of its dangers (Proverbs 22:7).

• The term “wicked” highlights hearts set against God (Psalm 1:4–6). They treat possessions—and people—as expendable.

• In the wider psalm, the wicked are repeatedly portrayed as grasping (Psalm 37:12, 14, 35). Their borrowing springs from greed, not genuine need or prudent stewardship.


and do not repay

“…and do not repay…” shows the moral failure.

• God calls His people to honor commitments (Leviticus 19:13; Deuteronomy 24:14–15).

• Failure to repay is theft in slow motion (Exodus 20:15) and a denial of neighbor-love (Romans 13:8).

Ecclesiastes 5:5 cautions, “It is better that you should not vow than that you should vow and not fulfill it.”

• This deliberate default exposes a heart untouched by God’s justice (Psalm 37:28).


but the righteous

“…but the righteous…” introduces a sharp contrast.

• The righteous are those who trust the LORD (Psalm 37:3) and walk uprightly (Psalm 15:2).

• Righteousness shows itself not merely in avoiding evil, but in proactive goodness (Proverbs 21:26b, “the righteous give without restraint”).

• Their financial life is part of their worship; they acknowledge God as true Owner (Psalm 24:1).


are gracious and giving

“…are gracious and giving.” describes a lifestyle marked by mercy.

• Gracious: they show unearned kindness (Luke 6:35).

• Giving: they share freely of time, talent, and treasure (Acts 20:35; Hebrews 13:16).

Psalm 112:5 echoes the blessing: “It is well with the man who is gracious and lends.”

• Generosity reflects Christ, who “though He was rich… became poor” (2 Corinthians 8:9), and trusts God to supply (2 Corinthians 9:8).

• Where the wicked deplete others, the righteous refresh others (Proverbs 11:25).


summary

Psalm 37:21 contrasts two heart postures. The wicked exploit resources and relationships, borrowing with no intention of repayment. The righteous, grounded in trust toward God, open their hands in gracious generosity. A redeemed heart respects obligations and mirrors God’s giving nature, proving faith genuine through financial integrity and cheerful sharing.

How does Psalm 37:20 address the fate of the wicked?
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