Conversation of a tribe meeting
Overcollateralized at the Bank
Opening Question:
Why are we being asked to pledge more than we borrow?
Is overcollateralization a sign of mistrust or broken systems?
Faith-Based Reflections & Solutions
1. Stewardship Over Control
Banks may seek excess collateral to reduce risk.
But faith teaches: “To whom much is given, much will be required.” ~ Luke 12:48
- Solution: Advocate for fair terms rooted in mutual respect and stewardship.
2. Justice in Lending
Overcollateralization can burden the borrower.
“Do not take advantage of the poor.” ~ Proverbs 22:22
- Solution: Promote lending practices that honor dignity and equity.
3. Trust & Relationship
Faith calls us to build trust, not fear.
“Love does not delight in evil but rejoices with the truth.” ~ 1 Corinthians 13:6
- Solution: Encourage relationship-based banking, not just risk-based metrics.
4. Community Advocacy
When one suffers, all suffer.
“Carry each other’s burdens.” ~ Galatians 6:2
- Solution: Unite as a community to negotiate better terms and educate others.
5. Faith Over Fear
Overcollateralization reflects fear of loss.
“God has not given us a spirit of fear.” ~ 2 Timothy 1:7
- Solution: Lead with faith, transparency, and shared purpose.
