H2Andy:mike, i think if Jesus saw the collective wealth of your average American church,
he wold be horrified at what could be done with it and isnt being done.
rememer the "sell all you have and give it to the poor" bit?
I don't know what you're calling average. I attend a church that has a little over 200 members with maybe a dozen or two who attend but aren't voting members. The church supports 1 full time pastor and 1 full time assistant pastor (recently added). The building is not all that big and built where land isn't worth much and there's just enough there to do what it needs to. It's non-denomentional so there's no corp or head office to get money from or send money to.
The church is governed by a group of "elders" and the voting membership of the church. I'm not a voting member and I haven't seen the financials but I'm really not sure how they pay the heat bill. They do pay the heat bill though as well as contribute to several missionaries and orginizations (like orphinages) both local and non-local. They also work to raise money for other things that come up like special events or people in the community in need.
The church has been in existance for something over 100 years serving what's basically a farming community and nobody is getting wealthy. In fact, the new assistant pastor left a position as an engineering manager to enter full time ministry. I don't know for certain but my guess is that he probably took about a 70% pay cut in order to do that. Again, I haven't seen the financials (though I could) so I don't know exactly what the pastor gets paid (certainly all the voting members who attent church meetings do) but he and his family live pretty modestly. Now, I say I'm not a voting member and that's because I haven't made any attemp to become one though I have been invited to enter into the process which is basically a couple of meetings with church elders and having the membership vote. I am still welcome to attend business meetings so though I haven't seen the financials they are not at all off limits to me.
The bottom line is that I'm pretty comfortable that church finances are managed in such a way as to be consistant with the churches doctrinal statement and Biblical standards of stewardship. So...by all means, bring on the heavenly auditors.
Again, I'm not sure what you're calling average but the landscape is dotted with little churches like this one and I'll bet that many are run similarly.