Shared ground
Jesus is correcting a way of teaching about oaths that sounded careful but actually misled people. The leaders draw fine lines: an oath “by the temple” or “by the altar” is treated as not binding, but an oath “by the gold” or “by the gift” is treated as binding. Jesus calls this guidance “blind” because it reverses what is actually greater (temple over gold; altar over gift) and because it tries to limit accountability by word games.
The passage assumes that the temple and altar have meaning because of their connection to God. Jesus’ reasoning is that the larger sacred reality is what gives the smaller item its weight, so you cannot treat the smaller item as more serious than the source of its sacred status.
Where interpretation differs
Two main questions get debated.
First, what does “it is nothing” mean in their teaching (vv. 16, 18)? Some read it as “invalid / not really an oath at all.” Others read it as “a real oath, but they claim it doesn’t obligate you.” Either way, Jesus’ critique stands: their system is designed to create a loophole.
Second, who is “him who is living in it” (v. 21)? Many take it as God’s presence associated with the temple. A smaller number argue it could be a more general reference to the one whose name and presence the temple represents. Verse 22 (“throne of God… him who sits on it”) strongly pulls the meaning toward God.
Why the disagreement exists
The passage reports the leaders’ exact phrases but does not stop to define them, so readers infer what “nothing” and “debtor” are meant to imply (social expectation, moral obligation, or enforceable liability). Also, the temple language can be read as direct talk about God’s dwelling or as a reverent way of speaking about God without defining the details.
What this passage clearly contributes
It explicitly teaches that oath formulas cannot be compartmentalized: swearing “by” something sacred reaches beyond the object to what it represents and depends on. Jesus also explicitly reorders value: the temple is greater than its gold, and the altar is greater than the gift, because they “sanctify” (set apart) what is associated with them. Theologically, the passage reinforces that speech about sacred things is not religious decoration; it carries real accountability before God (vv. 21–22).