Roger Kruger is the author of In Jars of Clay: Reflections on the Art of Pastoring (Mill City Press). He is working on a book titled Is Church Necessary? Believing and Belonging in an Age of Spiritual Individualism.
The "free services" my credit cards offer are made possible by excessive fees and penalties imposed on individuals like Mr. George. I imagined myself his advocate; in reality, I was complicit in his victimization.