God does not need our money, time or talents. His perfect will is accomplished without any contribution on man’s part.
However, a christian with a transformed heart sees that every part of his life belongs to God. Our money, our talents and our time here is all God’s.
So how do we look on something that is a cost when everything we receive is a gift from God?
I would say this “transformed heart” must exist outside of a a vacuum, and beyond the prayer closet. Love is visible and sacrificial.
If, for example, it isn’t seen, does it exist?
God was seen and heard to give a Command or two, which means we are called to exhibit meaningful and visible obedience. Our obedience is our witness. It always costs something, because loving God is not without value.
Something that cost nothing is valueless to both the giver and the receiver.