Proverbs 21 contrasts the substance of a wise man versus the substance of a fool. In the home of the wise man, one can find oil and desired treasures. Whenever a need arises, he is prepared to take care of it himself. This is not true of the fool. He cannot take care of himself. We do not know if the fool at some point had treasures and oil as well, but because of his wasteful spending habits, he no longer has those things. In addition to the fool no longer having his substance, he also cannot likely account for how he used those things. Maybe the fool, like far too many Christians, wasted his substance on pleasurable living (Proverbs 21:17). For whatever reason, the fool cannot hold onto the goods entrusted to him by the Lord. Society today has grown accustomed to living on borrowed money, thus spending the future today.
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