"If
you ever take your neighbour's garment as a pledge, you shall return it to him
before the sun goes down. 27 For that
is his only covering, it is his garment for his skin. What will he
sleep in? And it will be that when he cries to Me, I will hear, for I am
gracious."
Exodus 22:26-27
God cares about people, even the poor who lack basic necessities. As a kid when I went to the neighbourhood recreation centre to give them an identification card or my wallet as collateral to play Foosball, table tennis, or pool. Once I returned the supplies to the attendant my property was returned to me. A similar method was used in ancient times, where people would give a loan of money and hold their cloak as collateral. God placed a stipulation that if a garment was taken as a pledge to secure payment on a loan, by law it was to be returned "before the sun goes down." This would afford him warmth on a cold night.
The last part of the verse grabbed me: "And it will be that when he cries to Me, I will hear, for I am gracious." God is a gracious God, having mercy and compassion on poor debtors. He does not chide such a one for their poverty, the decision to take out a loan, or say of the shivering man, "Serves him right!" God is gracious, a phenomenal characteristic and remarkably rare for a king (or anyone else under the sun, for that matter). Kings typically reward loyalty and are harsh against any who rebel against them. Kings who intend to keep their thrones do not promote those who have not been absolutely trustworthy in the past. Their allies are the wealthy, the ones upon whom they have bestowed titles and lands - not the shivering poor crying at night.
When we come to God in our poverty, crying out to Him in sorrow, sadness, or because of injustice God will hear because He is gracious. In the darkness when no one sees, in the cold we cannot escape, we can enter into the presence of the Almighty God who is KING OF KINGS. His grace is seen by the audience He has freely given us and in taking action for our good. We are all sinners before God and unworthy of His care, but all who trust in Jesus Christ have been redeemed, adopted as children, and exalted to be co-heirs with Jesus Christ. That we could be grafted into the body of Christ as a viable part through whom God desires to work! Having received such grace, let us also be gracious as our heavenly Father is to all who cry out to Him.