All of us are responsible to God, regardless of the amount of material wealth that he has entrusted to us. 1 Corinthians 4:2 states, “Now it is required that those who have been given a trust must prove faithful.” Romans 14:12 states, “So then, each of us will give an account of himself to God.”
God gives different amounts of money and material wealth to different people. However, individual accountability does not change. Luke 12:48 states, “From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked.” In short, those who have been entrusted with larger amounts have greater responsibility than those who have been entrusted with smaller amounts.
As a side point, I would like to point out that this does not mean that a Christian who has limited financial resources has necessarily been an unfaithful or unbiblical steward. In the 21st chapter of Luke, we are told of the widow who gave a few copper coins, which, in terms of monetary value, was insignificant. However, Jesus said that she gave more than all the rest, because they gave out of their great abundance, whereas she gave all that she had to live on. The widow, with her limited amount of material wealth, demonstrated biblical stewardship, while others with significant wealth did not.
In addition, we can think of certain great men of God whom God decided in his sovereignty not to entrust with large amounts of material wealth. One example is the Apostle Paul. Notwithstanding his limited financial resources, Paul was still a tremendously committed Christian and an excellent steward of what God did entrust him with. In short, it’s really God’s sovereign decision as to how much he is going to entrust to each individual. Low income does not imply unfaithful stewardship.
In summary, regardless of the amount of money that you have, God requires faithful stewardship of the resources that he has entrusted to you.