Mar_4:34 But without a parable spake he not unto them: and when they were alone, he expounded all things to his disciples.
Mar_7:17 And when he was entered into the house from the people, his disciples asked him concerning the parable.
Luk 8:10 And he said, Unto you it is given to know the mysteries of the kingdom of God: but to others in parables; that seeing they might not see, and hearing they might not understand.
Luk 8:11 Now the parable is this: The seed is the word of God.
The implication here is he will only speak a parable to others without explaining but when he speaks a parable to the disciples, he will explain it to them.
So, if he speaks about something to the disciples only but does not call it a parable and does not explain it, then it seems logical it was based on something that actually happened and is not a made up story/parable.
Mat 13:36 Then Jesus sent the multitude away, and went into the house: and his disciples came unto him, saying, Declare unto us the parable of the tares of the field.
Mat_15:15 Then answered Peter and said unto him, Declare unto us this parable.
We see this in these passages.
Luk 16:19 There was a certain rich man, which was clothed in purple and fine linen, and fared sumptuously every day:
Luk 16:20 And there was a certain beggar named Lazarus, which was laid at his gate, full of sores,
Luk 16:21 And desiring to be fed with the crumbs which fell from the rich man's table: moreover the dogs came and licked his sores.
Luk 16:22 And it came to pass, that the beggar died, and was carried by the angels into Abraham's bosom: the rich man also died, and was buried;
Luk 16:23 And in hell he lift up his eyes, being in torments, and seeth Abraham afar off, and Lazarus in his bosom.
Luk 16:24 And he cried and said, Father Abraham, have mercy on me, and send Lazarus, that he may dip the tip of his finger in water, and cool my tongue; for I am tormented in this flame.
Luk 16:25 But Abraham said, Son, remember that thou in thy lifetime receivedst thy good things, and likewise Lazarus evil things: but now he is comforted, and thou art tormented.
Luk 16:26 And beside all this, between us and you there is a great gulf fixed: so that they which would pass from hence to you cannot; neither can they pass to us, that would come from thence.
Luk 16:27 Then he said, I pray thee therefore, father, that thou wouldest send him to my father's house:
Luk 16:28 For I have five brethren; that he may testify unto them, lest they also come into this place of torment.
Luk 16:29 Abraham saith unto him, They have Moses and the prophets; let them hear them.
Luk 16:30 And he said, Nay, father Abraham: but if one went unto them from the dead, they will repent.
Luk 16:31 And he said unto him, If they hear not Moses and the prophets, neither will they be persuaded, though one rose from the dead.
Here Jesus tells a story but does not call it a parable nor does he ever explain it to the disciples. The reason why is it is not a parable. It is a story about two literal people who died and what happened to them. There isn't anything to explain not to mention the Jews already believed in a Hades type concept for the wicked and already believed in heaven but referred to as Abraham's bosom which is father Abraham taking care of them after they have died.
the context of the passage starts in chapter 14 where Jesus is at a rich pharisees house eating. Jesus speak several accounts in the immediate context that could be called a parable and are in several list. I came up with about them 7 of them that are more parable like to me but other lists have double the amount taking a proverbial line as a parable. So here is my list (included is the Rich Man and Lazarus)
1. Parable of the Guest - Luke 14:7-11
2. Parable of the Dinner - Luke 14:16-24
3. The Lost Sheep - Luke 15:4–6
4. The Lost Coin - Luke 15:8–9
5. Parable of the Prodigal Son - Luke 15:11–32
6. The Unjust Steward - Luke 16:1–13
7. Rich man and Lazarus - Luke 16:19–31
The Parable of the Guest opens saying "And He began speaking a parable to the invited guests..." the audience are the guest and this account is an explicit parable
Parable of the Dinner's direct audience is the person who said to Jesus the verse before "Blessed is everyone who will eat bread in the kingdom of God!" and the indirect audience is all present. Jesus is still speaking to the guests. it opens saying "But He said to him, “A man was giving a big dinner, and he invited many..." so in this case if we are to call it a parable it is an implicit parable as it does not actually identify it as a parable.
The Lost Sheep, The Lost Coin and, the Prodigal Son are a grouping or parables all shared together meant to emphasis the same point but with different perspectives, but all share similar ideas, something is lost, searched for and found then there is rejoicing. the prodigal son is probably the most influential. They are all implicit parables except the lost sheep but because they are all the same theme and of the same series they get grouped together and inherit the same parable context.
Who is the audience? The audience is the same except now more people are starting to gather in and listen more intently. v1-2 establish the audience saying "Now all the tax collectors and the sinners were coming near Him to listen to Him. Both the Pharisees and the scribes began to grumble, saying, “This man receives sinners and eats with them." this starts to establish a greater interested audience and it starts to reveal the Pharisees were paying attention on a level and not liking it.
The Unjust Steward now Jesus has their attention he ignores the audience and speaks to his disciples. His disciples are the direct audience but the intended audience is the pharisees, tax collectors and sinners getting more and more pointed at the pharisees. This is still an implicit parable and there isn't anywhere that actually says it is a parable except that it's in a parable context.
Rich man and Lazarus This now gets the attention of the pharisees as v14 says "Now the Pharisees, who were lovers of money, were listening to all these things and were scoffing at Him..." so they were listening and He has their attention and they are set up in position for the knockout blow and this brings on the Rich Man and Lazarus which is very specifically aimed at the Pharisees. Jesus had to work to get here and all the parables preceding this built this moment up for this message. He was still speaking to his disciples directly but the Pharisees were the intended audience and it is very tongue and cheek.
out of these 7 accounts only 2 are explicit parables and there is a progressive audience that Jesus was building toward but shifted the direct audience to his disciples at the end once he got their attention. There is more Jesus said of course and they could be identified as parables but if so they are still on implicit. Jesus may have explained these accounts at a later time but scripture doesn't reveal this. If we are to say that scripture must call it a parable and those spoken direct to his disciples must be explicitly explained at a later time then most of what Jesus says in this context would be dismissed as a parable.
As you have revealed scripture tells us Jesus did not speak to the crowds outside of parables and explained everything later to his disciples. So if this is the case the Rich man and Lazarus must be a parable as it was aimed at the pharisees and what it should implicitly mean is that Jesus at a later unspoken time revealed the things to his disciples that was spoken at the dinner.
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