In this letter, James isn’t writing to the general public…he’s addressing the early Church and Believers.  He’s warning the rich Christians that they will be judged for hoarding their wealth, withholding pay to the workers of their fields, and living a self-indulgence life-style without regard for the welfare of others.  Worldliness had crept into the early Church then…and it creeps into the Church today.  For anytime more importance is placed on the elaborateness of the carpet in the sanctuary over helping the poor and oppressed among us…worldliness has found its way in.