Well, I'd go back to the original formation of the word itself, which literally means "love of wisdom". And I agree, it's not an art form, but it seems to be used as such. People nowadays make, or adopt, philosophies in order to express themselves emotionally -- sort of the same way they choose particular CD's: the usual thought process, when present and not simply an impulse based on trends, is, "Which CD's best express me, and how I'm feeling right now, and what I think about life in general?"
In other words, lots of people today use philosophy to simply state their opinions, rather than to ask questions about life.
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Christianity is different than Judaism only in people's minds -- not in the Bible.