For the love of money is a root of all kinds of evil. Some have been led astray from the faith in their greed, and have pierced themselves through with many sorrows.

 So the letter draws to a close with a warning which our own generation needs. Clever argument can never be made a substitute for Christian action. The duty of the Christian is not to sit in a study and weigh arguments but to live the Christian life in the dust and heat of the world. In the end it is not intellectual cleverness, but conduct and character which count. 