But it makes more sense to me that faith needs to be credited because it's not righteousness in and of itself.
Amazingly enough, I agree with you in this statement.
It's something man can choose, but warrants no obligation from God.
There's where we disagree, unfortunately.
Again,
If man can choose, we then go right back to man's salvation being dependent upon what we have done, possessed, "exercised", etc.
One man can now gain an "edge" over his fellows, and procure ( yes,
buy ) his escape from God's wrath.
According to the "legal language" of God's word, He
is obligated to save those who believe,
from the heart ( Romans 10:9-10 ).
He is obligated to save those who have
genuine faith ( notice that I differentiate between genuine, and false faith ).
He obligates Himself ( that's what covenants are, God obligating
Himself to a set of promises that He is determined to keep and will unfailingly keep ), we cannot force Him to
make obligations.
So, if faith is available to all men, and salvation partly a work of men and partly of God, then that takes
impartiality off the table....and puts it in the hands of men who will then climb all over each other in a mad dash to "get saved", as I see it.
That's man-made religion at its finest, if you ask me.
Mankind doing
all sorts of things to gain His favor.
