Fascinating.
In the small churches I have been in we all pray and meet together, and sort out,
1- What do we feel we are to do for the Lord
2- What needs are around.
3- What costs do we have as a body.
Then see what we can afford and each consider what he/she/they can give. This takes a bit of prayer and even moaning at God at times. AND is is not only finance it is time and skills. Then the group has something like a finacial/social skill budget in place.
Knowing full well that things can change and God is the boss not us.
BUT a major part of this is to be responsible for any pastor/minister who is part of the team. We are expected to support them. Sometimes there will be a part time minister who can help support himself.
If anyone in the fellowship (pastor or whoever) has financial hassles we get together and help if we can.
I can see that this model can only work in a smaller church. In large churches the same thing is in place but generally with a committee of wise folk, listening to God (we hope), who organise things.
PROBLEM - What happens if a ministry goes a bit daft and say has a huge mortgage or debt, that it cannot fund. I have seen this! It was folk simply taking on an unwise 'prosperity doctrine' and advising the Lord he had better tow the line.
SOLUTION - You cry out 'HELP' as loud as you can to God. And you share, to all the church, '..this is what we have done, sorry..'.
* Prosperity Doctrine - I think the basic understanding is sound but often not our human prideful interpretation of that.
Hmmmmm ...... But I have heard some ministers, freaked out over debt, give unwise sermons (especially out of Malachi) and use such to force funds from others. I honestly find this no different to a company boss saying to staff .... work harder with less pay or get the sack. Even us Christians make mistakes. Some managers of large institutions simply can make 'large mistakes'.
Whatever the Lord calls you to do he shall fund.
What we, as frail humans, at times think is suitable for the Lord to fund - he may not. But he is still gracious.