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I agree with your points as stipulated out rightly that, the owner steward principle by being God’s creation is just up to us, what kind of steward we will be. Whether we treat the things God owns with respect.
Our giving is always an act of obedience, we respond to the directions of the holy spirit concerning obedience and faint in the area of giving to the various interests of God. We live in a world of opportunities to give to the different.
Another giving principle is to be sacrificially. In God’s economy, the amount sacrificed always supersedes the amount given, the joy that comes from the sacrifices. Not the number David understood this. He was presented with everything needed for a sacrifice but refused to take it without paying. This echoes in 2 Samuel 24;24. We have some benefits of sacrificial giving which is similar to the cushion effect of saving for a rainy day, your sacrificial giving to God could be the panacea for sustaining you in your days of lack 1 King 17;7-16 limited blessings not just for you alone but also for your loved ones. 17 I will surely bless you and make your descendants as numerous as the stars in the sky and as the sand on the seashore. Gen 22;17 KJV