You saw someone chastising a woman in a Baptist church for wearing an inexpensive necklace? Does that make it right? You don't see the hypocracy and disconnect when men can wear $700 suits and Rolex's?
The rules must be different for Baptists where you live. I've attended a Baptist church here many times and seen prominant ladies wear necklaces and even earrings without censure.
Edit to add: To be fair, and since you asked, I shouldn't presume you understood my point. My point is that a man can spend hundreds and even thousands of dollars to try to impress onlookers and try to make himself look good and this is accepted in the Seventh Day Adventist church, while at the same time a lady is considered less than honorable if she wears a necklace that costs a mere pittance in order to make herself feel pretty and presentable. I question the rationale and integrity of this position. I hope this helps!
If it makes you feel better, our Pastor gave a sermon and made mention about fancy suits. It's really the same thing. It's no different than a woman who wouldn't wear jewelry, but opted to wear a $700 dress. The same principle applies, and it's that principle that I believe is being missed. We should be concerned about our inner man, not the outer man.
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