In congregational life, there are always those who give more /worry more/spend more time on the money than others. In systems theory this is called overfunctioning. Members who are overfunctioning with financial aspects of the church always think if others gave more or were more responsible, the church wouldn’t have this problem.
Yet there’s a balance between those who overfunction and those who underfunction in terms of financial responsibility. It takes both to keep this dynamic going. Often key church leaders carry the anxiety for church finances.
Who is staying awake at night? Typically, it’s the pastor, although sometimes lay leaders are more worried than the clergy. I talked recently with a church treasurer who was losing sleep night after night over whether there would be enough church money in the account to pay the bills. In this situation, the potential shortfall did not belong to the treasurer but to the church. It wasn’t his responsibility—or not his alone. Yet he was the one who was holding all the anxiety for it.