With Paul we absolutely deny the possibility of self-merit. God never yet gave to any person grace and everlasting life as a reward for merit. The opinions of the papists are the intellectual pipe-dreams of idle pates, that serve no other purpose but to draw men away from the true worship of God. The papacy is founded upon hallucinations.
The true way of salvation is this. First, a person must realize that he is a sinner, the kind of a sinner who is congenitally unable to do any good thing. “Whatsoever is not of faith, is sin.” Those who seek to earn the grace of God by their own efforts are trying to please God with sins. They mock God, and provoke His anger. The first step on the way to salvation is to repent.
The second part is this. God sent His only-begotten Son into the world that we may live through His merit. He was crucified and killed for us. By sacrificing His Son for us God revealed Himself to us as a merciful Father who donates remission of sins, righteousness, and life everlasting for Christ’s sake. God hands out His gifts freely unto all men. That is the praise and glory of His mercy.
The scholastics explain the way of salvation in this manner. When a person happens to perform a good deed, God accepts it and as a reward for the good deed God pours charity into that person. They call it “charity infused.” This charity is supposed to remain in the heart. They get wild when they are told that this quality of the heart cannot justify a person.
They also claim that we are able to love God by our own natural strength, to love God above all things, at least to the extent that we deserve grace. And, say the scholastics, because God is not satisfied with a literal performance of the Law, but expects us to fulfill the Law according to the mind of the Lawgiver, therefore we must obtain from above a quality above nature, a quality which they call “formal righteousness.”
We say, faith apprehends Jesus Christ. Christian faith is not an inactive quality in the heart. If it is true faith it will surely take Christ for its object. Christ, apprehended by faith and dwelling in the heart, constitutes Christian righteousness, for which God gives eternal life.
In contrast to the doting dreams of the scholastics, we teach this: First a person must learn to know himself from the Law. With the prophet he will then confess: “All have sinned, and come short of the glory of God.” And, “there is none that doeth good, no, not one.” And, “against thee, thee only, have I sinned.” Having been humbled by the Law, and having been brought to a right estimate of himself, a man will repent. He finds out that he is so depraved, that no strength, no works, no merits of his own will ever deliver him from his guilt. He will then understand the meaning of Paul’s words: “I am sold under sin”; and “they are all under sin.”
At this state a person begins to lament: “Who is going to help me?” In due time comes the Word of the Gospel, and says: “Son, thy sins are forgiven thee. Believe in Jesus Christ who was crucified for your sins. Remember, your sins have been imposed upon Christ.”
In this way are we delivered from sin. In this way are we justified and made heirs of everlasting life.
In order to have faith you must paint a true portrait of Christ. The scholastics caricature Christ into a judge and tormentor. But Christ is no law giver. He is the Lifegiver. He is the Forgiver of sins. You must believe that Christ might have atoned for the sins of the world with one single drop of His blood. Instead, He shed His blood abundantly in order that He might give abundant satisfaction for our sins.
Here let me say, that these three things, faith, Christ, and imputation of righteousness, are to be joined together. Faith takes hold of Christ. God accounts this faith for righteousness.
This imputation of righteousness we need very much, because we are far from perfect. As long as we have this body, sin will dwell in our flesh. Then, too, we sometimes drive away the Holy Spirit; we fall into sin, like Peter, David, and other holy men. Nevertheless we may always take recourse to this fact, “that our sins are covered,” and that “God will not lay them to our charge.” Sin is not held against us for Christ’s sake. Where Christ and faith are lacking, there is no remission or covering of sins, but only condemnation.
After we have taught faith in Christ, we teach good works. “Since you have found Christ by faith,” we say, “begin now to work and do well. Love God and your neighbor. Call upon God, give thanks unto Him, praise Him, confess Him. These are good works. Let them flow from a cheerful heart, because you have remission of sin in Christ.”
When crosses and afflictions come our way, we bear them patiently. “For Christ’s yoke is easy, and His burden is light.” When sin has been pardoned, and the conscience has been eased of its dreadful load, a Christian can endure all things in Christ.
To give a short definition of a Christian: A Christian is not somebody who has no sin, but somebody against whom God no longer chalks sin, because of his faith in Christ. This doctrine brings comfort to consciences in serious trouble. When a person is a Christian he is above law and sin. When the Law accuses him, and sin wants to drive the wits out of him, a Christian looks to Christ. A Christian is free. He has no master except Christ. A Christian is greater than the whole world.
Adopted from Dr. Martin Luther’s ‘A Commentary to St. Paul’s Epistle to the Galatians,’ pp. 35-36