Churches and finances

OK Here we go again, New subject, so far I have visited three local Associations this fall. There seems to be a general concern being voiced, in the Devotionals, and messages. that is the lack of growth in the Churches. there also seems to be a concern that the Churches are declining. The reports from the Mission projects all show concern for lack of support.
Are we out spending the ability of the Churches to give? What do you think?