I always thought the problem Jesus had at the temple with the merchants wasn't as much that people were making a profit, but that they were essentially cheating people and taking advantage of people to make a profit. When I read the gospels, I get the idea that Jesus really wasn't focused on what type of economy the world should have - he had different concerns, like how people were treated. Did the poor peasant who came to offer a sacrifice for his sins and to worship God get taken advantage of? Did someone set up some sort of additional barrier between him and his worship?
As for pastors driving nice cars and all that, I haven't seen that at the churches I've attended, although I'm sure plenty of churches do stuff like that. That said, I think I have a nice car - and I don't know God cares any less how I live my life than how a pastor lives theirs. But I'd agree it is bad leadership for a pastor to have great excess. I certainly wouldn't feel good if I was a pastor if I was taking people's hard earned money that they want to give to God and then taking it and using it to live in luxury, since it wasn't money I earned. On the other hand, could I earn any money for myself (as a non-pastor) if God didn't give me gifts and abilities? I don't know, but it's certainly an interesting question...
Joel Osteen...well, he's probably not someone I would seek out for spiritual insight. I often wonder who Jesus would hang around with today. I suspect not Joel Osteen. But I wouldn't be worthy of that either, certainly.
Sorry for the rambly post. There's some interesting thoughts in your post, and also the implications in your post. Joel Osteen is certainly mistaken. But the more important question that your post stirred in me: What makes me different? Certainly I'm not spouting the anti-gay hate that Joel is spouting. But at the end of the day, is what I'm doing with my time and money right? I truly couldn't answer that yet.