moral debt

Justified by faith

Paul wanted the Roman citizens who read his gospel message to know exactly where they stood with regard to their soul’s eternal destination. Paul addressed his letter “to all those in Rome who are loved by God and called to be saints” (Romans 1:7), and said that he longed to go to Rome so that “we may be mutually encouraged by each other’s faith, both yours and mine,” but then, Paul proceeded to talk about God’s wrath on unrighteousness (Romans 1:18-32) and God’s righteous judgment (Romans 2:1-11). Paul’s first mention of justification, which is God’s free gift of absolution from the consequences of sin, was in Romans 2:13 where he said, “For it is not the hearers of the law who are righteous before God, but the doers of the law who will be justified.” Paul went on to explain that no one is righteous, “All have turned aside; together they have become worthless; no one does good, not even one” (Romans 3:12). Paul then stated, “Now we know that whatever the law says it speaks to those who are under the law, so that every mouth may be stopped, and the whole world may be held accountable to God” (Romans 3:19). “The ‘law’ (v. 19), referring to the Old Testament, essentially silenced men, leaving them unable to defend themselves against the charge of sin. It was given to convince all men of their guilt before God (v. 20, cf. Galatians 3:22). Paul concluded that since all men are guilty, they cannot be ‘justified’ by their own personal character or conduct (v.20). Justification is a legal term signifying that the demands of justice have been satisfied, and there is no longer a basis for condemnation (Romans 8:1). The justified transgressor no longer stands guilty or deserving of punishment” (note on Romans 3:19, 20).

Paul’s argument that everyone needs salvation was followed by a detailed description of how God’s justification works. Paul said:

For there is no distinction: for all have sinned and fall short of the glory of God, and are justified by his grace as a gift, through the redemption that is in Christ Jesus, whom God put forward as a propitiation by his blood, to be received by faith. This was to show God’s righteousness, because in his divine forbearance he had passed over former sins. It was to show his righteousness at the present time, so that he might be just and the justifier of the one who has faith in Jesus. (Romans 3:22-26)

Paul indicated that justification is a gift that must be received by faith. It says in Hebrews 11:1 that “faith is the assurance of things hoped for, the conviction of things not seen.” The Greek word pistis (pisˊ-tis), which is translated faith in Romans 3:25 and Hebrews 11:1, refers to “reliance upon Christ for salvation…As a technical term indicative of the means of appropriating what God in Christ has for man, resulting in the transformation of man’s character and way of life. Such can be termed gospel faith or Christian faith (Romans 3:22 ff.)”  (G4102).

Paul indicated that the basis for humans to be justified by faith was God’s divine forbearance. Paul said God putting forward Jesus as a propitiation, or an atoning victim (G2435), was to show his righteousness, “because in his divine forbearance he had passed over former sins” (Romans 3:25). In the past, God had merely overlooked sin through the sacrifice of animals, but through Jesus’ atoning sacrifice, God was able to remit the penalty of sin, cancelling the debt of sin that each person owes him. A necessary component of this transaction is faith. The payment is only applied to those who believe that Jesus was crucified to pay the penalty for their sin and have received his atoning sacrifice on their behalf as a gift (Romans 4:4-5).

Paul concluded “that one is justified by faith apart from works of the law” (Romans 3:28). The works Paul was referring to were “the works of men in reference to right and wrong as judged by the moral law, the precepts of the gospel” (G2041). Paul separated a person’s actions from their beliefs so that his readers could see that justification was not at all related to what they did or didn’t do morally. Justification is about God’s righteousness being upheld and every human’s need for forgiveness. Jesus’ parable of the unforgiving servant pointed to God’s mercy and the impossibility of paying one’s own moral debt. Jesus said, “the kingdom of heaven may be compared to a king who wished to settle accounts with his servants. When he began to settle, one was brought to him who owed him ten thousand talents” (Matthew 18:23-24). “A talent was a monetary unit worth about twenty years wages for a laborer” (Matthew 18:24, footnote). Jesus said, “And out of pity for him, the master of that servant released him and forgave him the debt” (Matthew 18:27). The problem was that the servant went out and found one of his fellow servants “who owed him a hundred denarii, and seizing him, he began to choke him, saying, ‘Pay what you owe’” (Matthew 18:28). Because he refused to forgive his fellow servant’s debt, the master put the servant in jail until he paid all his debt (Matthew 18:34). The lack of transformation in the servant’s character and way of life was an indicator that although he had been justified, the unforgiving servant had not been justified by faith. Therefore, his master reinstated his debt, and he was delivered to the jailors or torturers, also known as, spiritual forces of evil in the heavenly places (Ephesians 6:12).

Jesus’ final statement in the parable of the unforgiving servant emphasized the importance of the heart in a believer’s acts of faith. Jesus told those who were listening, “And in anger the master delivered him to the jailors, until he should pay all his debt. So also my heavenly Father will do to every one of you, if you do not forgive your brother from your heart” (Matthew 18:34-35). What Jesus meant by from your heart was that you must do it willingly. You must want to forgive your brother. God’s willingness to forgive our sins should motivate us to want to do the same for others, but because of our sin nature, we are only able to forgive as an act of faith, by believing it’s the right thing for us to do because it’s what God did for us.

Being saved

The Apostle Paul’s first letter to the Corinthians began with a detailed description of the people he was writing to. Paul said, “To the church of God that is in Corinth, to those sanctified in Christ Jesus, called to be saints together with all those in every place who call upon the name of our Lord Jesus Christ, both their Lord and ours” (1 Corinthians 1:2). Paul addressed his audience as the church of God and indicated that they were sanctified in Christ Jesus. Paul was clearly referring to people who had already accepted Jesus as their Savior. The Greek word that is translated sanctified, hagiazo (hag-ee-ad’-zo) means “to make holy” (G37). Hagiazo is spoken of persons who are consecrated “as being set apart of God and sent by Him for the performance of His will (John 10:36).” The resultant state of Hagiazo is hagiasmos (hag-ee-as-mos’). Hagiasmos refers not only to the activity of the Holy Spirit in setting man apart unto salvation and transferring him into the ranks of the redeemed, but also to enabling him to be holy even as God is holy (2 Thessalonians 2:13)” (G38).

Paul went on to say that his audience was not lacking in any gift as they waited for the revealing of our Lord Jesus Christ, who would sustain them to the end, “guiltless in the day of our Lord Jesus Christ” (1 Corinthians 1:7-8). The term guiltless has to do with being accountable for a debt. Jesus told a parable about an unforgiving servant in order to explain each person’s accountability to God for the sins they commit (Matthew 18:21-35). Jesus began by stating that the kingdom of heaven may be compared to a king who wished to settle accounts with his servants. At first, a servant was forgiven a debt of ten thousand talents. A talent was a monetary unit worth about twenty years’ wages for a laborer, so there was no way the servant could pay the debt he owed. After the servant was forgiven, he demanded payment from someone who owed him a hundred denarii. A denarius was a day’s wages for a laborer, a very small amount compared to the ten thousand talents that the servant had been forgiven. When it was reported to the master what had taken place, Jesus said, “Then the master summoned him and said to him, ‘You wicked servant! I forgave you all that debt because you pleaded with me. And should you not have had mercy on your fellow servant, as I had mercy on you? And in anger, his master delivered him to the jailors, until he should pay all his debt. So also my heavenly father will do to every one of you, if you do not forgive your brother from your heart” (Matthew 18:32-35).

Paul wanted his readers to understand that their moral debt was cleared from God’s accounting system when they accepted Christ as their Savior, but that didn’t absolve them of their responsibility to deal with their fellow believers in a manner similar to the way God had dealt with them. Paul said, “I appeal to you, brothers, by the name of our Lord Jesus Christ, that all of you agree, and that there be no divisions among you, but that you be united in the same mind, and the same judgment” (1 Corinthians 1:10). The divisions in the church were hindering the believers’ spiritual growth and what Paul later referred to as their edification (1 Corinthians 14:3). Paul used the Greek word katartizo (kar-ar-tid’-zo), which is translated united, to describe the purpose of edification, that the members of Christ’s body would be “perfectly joined” together. Katartizo indicates the close relationship between character and destiny in that the right ordering and arrangement of the members of Christ’s body results in every member being “fitly framed together” into a holy temple in the Lord (Ephesians 2:21, KJV).

Paul went on to explain that the power of God was linked to the cross of Christ and that it had to be working in the believers’ lives until the day of our Lord Jesus Christ in order for them to be guiltless in the end. Paul said, “For Christ did not send me to baptize but to preach the gospel, and not with words of eloquent wisdom, lest the cross of Christ be emptied of its power. For the word of the cross is folly to those who are perishing, but to us who are being saved it is the power of God” (1 Corinthians 1:17-18). Paul indicated that the cross could be emptied of its power. In other words, Christ’s sacrifice for our sins could be neutralized or made ineffective in what it was intended to do in a person’s life. Paul brought up this problem in the context of a person being saved. “The participle is used substantively to refer to those being saved, those who have obtained salvation through Christ and are kept by him” (G4982). Paul clarified his statement about being saved in 1 Corinthians 15:2, when he said, “Now I remind you, brothers, of the gospel I preached to you, which you received, in which you are being saved, if you hold fast to the word I preached to you — unless you believed in vain.” According to Paul, being saved meant that you continued to believe what you did when you first received salvation through the gospel. Paul likely contrasted being saved with perishing in order to make it clear that  a person’s state does not change. A saved person can not become unsaved, but he can lose the reward God intended for him (Matthew 25:26-30).

Paul indicated that Jesus is the one who sustains believers as they go through the process of being saved. He said, “I give thanks to my God always for you because of the grace of God that was given you in Christ Jesus, that in every way you were enriched in him in all speech and all knowledge—even as the testimony about Christ was confirmed among you—so that you are not lacking in any gift, as you wait for the revealing of our Lord Jesus Christ, who will sustain you to the end, guiltless in the day of our Lord Jesus Christ” (1 Corinthians 1:4-8). Jesus’ ability to sustain believers to the end is based on a personal relationship with the Lord that involves walking together by faith (G950). Paul indicated that Christ sustaining believers results in them being guiltless or being freed from their eternal moral debt to God. The way that it happens is by miraculous power being activated through the preaching of the gospel. Paul said, “For since, in the wisdom of God, the world did not know God through wisdom, it pleased God through the folly of what we preach to save those who believe. For Jews demand signs and Greeks seek wisdom, but we preach Christ crucified, a stumbling block to Jews and folly to Gentiles, but to those who are called, both Jews and Greeks, Christ the power of God and the wisdom of God” (1 Corinthians 1:21-24).

Paul went on to say that the effect of being saved is that the mind of Christ is formed in the believer. Paul said, “The natural person does not accept the things of the Spirit of God, for they are folly to him, and he is not able to understand them because they are spiritually discerned. The spiritual person judges all things, but is himself to be judged by no one. For who has understood the mind of the Lord so as to instruct him? But we have the mind of Christ” (1 Corinthians 2:14-16). Paul also talked about the renewing of the mind in his letter to the Romans. Paul admonished them, “Do not be conformed to this world, but be transformed by the renewal of your mind, that by testing you may discern what is the will of God, what is good and acceptable and perfect” (Romans 12:2). The Greek word that is translated transformed, metamorphoo (met-am-or-fo’-o), is where the English word metamorphosis comes from. Metamorphosis refers to the process of transformation from an immature form to an adult form in two or more distinct phases. Paul indicated that transformation takes place as a result of the renewal of the mind. Renewal is intended to make a person different than in the past. The Greek word that Paul used, anakainosis (an-ak-ah’-ee-no-sis), stresses the process of sanctification (G342). Anakainosis “is the gradual conforming of the person to the new spiritual world in which he now lives, the restoration of the divine image. In this process the person is not passive but is a fellow worker with God” (G3824).

Paul linked together different aspects of being saved in his letter to Titus. Paul referred to these two aspects of salvation as the washing of regeneration and the renewal of the Holy Spirit. Paul said, “But when the goodness and loving kindness of God our Savior appeared, he saved us, not because of works done by us in righteousness, but according to his own mercy, by the washing of regeneration, and renewal of the Holy Spirit, whom he poured out on us richly through Jesus Christ our Savior, so that being justified by his grace we might become heirs according to the hope of eternal life” (Titus 3:4-7). Justification by grace means that God’s divine influence upon our hearts and its reflection in our lives will cause us to be declared innocent in the end, when God actively intervenes to punish sin. God’s day of judgment is referred to as the day of the Lord. The day of the Lord holds an important place in prophecy (note on 1 Thessalonians 5:2). Paul wrote about the day of the Lord in his first letter to the Thessalonians. Paul said, “Now concerning the times and the seasons, brothers, you have no need to have anything written to you. For you yourselves are fully aware that the day of the Lord will come like a thief in the night. While people are saying, ‘There is peace and security,’ then sudden destruction will come upon them as labor pains come upon a pregnant woman, and they will not escape. But you are not in darkness, brothers, for that day to surprise you like a thief. For you are all children of light, children of the day. We are not of the night or of the darkness. So then let us not sleep, as others do, but let us keep awake and be sober. For those who sleep, sleep at night, and those who get drunk, are drunk at night. But since we belong to the day, let us be sober, having put on the breastplate of faith and love, and for a helmet the hope of salvation. For God has not destined us for wrath, but to obtain salvation through our Lord Jesus Christ, who died for us so that whether we are awake or asleep we might live with him. Therefore encourage one another and build one another up, just as you are doing” (1 Thessalonians 5:1-11).

Jesus emphasized the importance of remaining under the influence of the Holy Spirit in his message about the signs of the end of the age. After his disciples asked him when the end would occur, and the sign of his second coming, Jesus said, “Many will fall away and betray one another and hate one another. And many false prophets will arise and lead many astray. And because lawlessness will be increased, the love of many will grow cold. But the one who endures to the end will be saved” (Matthew 24:10-13). The Greek word that is translated endures, hupomeno (hoop-om-en’-o), means “to remain under the approach or presence of any person or thing, in the sense of to await” (G5278). What Jesus meant by the one who endures to the end will be saved was that endurance will be a distinguishing characteristic of believers that are in the process of being saved at the end of the age. Constant communion with the Holy Spirit will be more and more important for believers as Christ’s return draws near. Jesus concluded his Olivet Discourse with several parables about faithful and wicked servants and then, talked about the final judgment. Jesus said, “When the Son of Man comes in his glory, and all his angels with him, then he will sit on his glorious throne. Before him will be gathered all the nations, and he will separate people one from another as a shepherd separates the sheep from the goats” (Matthew 25:31-32). The sheep and the goats represent two spiritual categories that all people fall into, saved and unsaved. Jesus said of the sheep, who represented the group of saved people, “Come, you who are blessed by my Father, inherit the kingdom prepared for you from the foundation of the world” (Matthew 25:34). Jesus commended the sheep because they had taken care of him when he was in need of help (Matthew 25:35-37), but they were unaware that they had done anything to merit his favor (Matthew 25:37-39). When Jesus confronted the unsaved, the opposite happened. They argued that they had done everything that was expected of them. Matthew 25:41-46 states:

“Then he will say to those on his left, ‘Depart from me, you cursed, into the eternal fire prepared for the devil and his angels. For I was hungry and you gave me no food, I was thirsty and you gave me no drink, I was a stranger and you did not welcome me, naked and you did not clothe me, sick and in prison and you did not visit me.’ Then they also will answer, saying, ‘Lord, when did we see you hungry or thirsty or a stranger or naked or sick or in prison, and did not minister to you?’ Then he will answer them, saying, ‘Truly, I say to you, as you did not do it to one of the least of these, you did not do it to me.’ And these will go away into eternal punishment, but the righteous into eternal life.”

The key differentiation that Jesus made between the sheep and the goats was that one group ministered to his needs and the other did not. The sheep had done what Jesus expected of them, but were most likely unaware of it because it had not been an intentional effort on their part, but rather the divine influence of the Holy Spirit on their hearts that caused them to act the way they did.

Paul summarized all of his doctrine related to salvation in his letter to the Romans. In this letter, Paul emphasized the importance of faith (Romans 4:1-5:11), but he also made it clear that it takes an act of the will to overcome the effects of sin in our lives (Romans 6:13). In order to clarify the difference between works of the flesh, the things we choose to do based on our own desires and preferences, and acts of faith, Paul said:

Now to the one who works, his wages are not counted as a gift but as his due. And to the one who does not work but believes in him who justifies the ungodly, his faith is counted as righteousness, just as David also speaks of the blessing of the one to whom God counts righteousness apart from works:

“Blessed are those whose lawless deeds are forgiven,
    and whose sins are covered;
blessed is the man against whom the Lord will not count his sin.” (Romans 4:4-8)

The main point that Paul made in this passage was that God counts righteousness apart from works. Therefore, it isn’t necessary for us to do anything to be saved. But, Paul went on to explain that life in the Spirit involves being mentally disposed toward doing the things that God wants us to (Romans 8:5-6). In his conclusion, Paul identified the uniting principle associated with being saved and the final judgment that Jesus described in Matthew 25:31-46. Paul said, “Owe no one anything, except to love each other, for the one who loves another has fulfilled the law. For the commandments, ‘You shall not commit adultery, You shall not murder, You shall not steal, You shall not covet,’ and any other commandment, are summed up in this word: “You shall love your neighbor as yourself.” Love does no wrong to a neighbor; therefore love is the fulfilling of the law” (Romans 13:8-10).