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It is a peculiar thing: faith to salvation hinges upon need of salvation. “Lost” is the only title which makes one fit to be saved. We easily think that we must be “good enough” for the salvation of Christ: but we can never be “good enough”. Indeed, to think oneself “good enough” and to try to be “good enough” both make us unfit for salvation.

Salvation is a gift, not a wage. God gives salvation only to the weak and needy:

29 And Levi made him a great feast in his house, and there was a large company of tax collectors and others reclining at table with them.30 And the Pharisees and their scribes grumbled at his disciples, saying, “Why do you eat and drink with tax collectors and sinners?”31 And Jesus answered them, “Those who are well have no need of a physician, but those who are sick.32 I have not come to call the righteous but sinners to repentance.”

Luke 5:29-32.

William Romaine explains:

And this you shall have freely, without any merit, or work of the law: for this righteousness comes wholly by grace, and is for you a sinner, as such, and is to justify you from the condemnation of the law, to turn its curses into blessings, and its threatened punishment into happiness. And this it can do for you perfectly and everlastingly, so that being found in this righteousness, there is no grace promised in time, or glory in eternity, but it shall be yours.
The Lord God promises them to you in the fullest and freest manner, to you without any exception or limitation, being a sinner, and ungodly, though one of the vilest and basest, yet to you, as such, is the word of this salvation sent.

And it is all yours in the comfortable enjoyment of it, through believing.

You are to bring nothing to recommend yourself, but

“I am a sinner, and my right and title to a finished salvation is clear from the warrant of God’s word” — if you believe with your heart in the righteousness of Christ.

The divine command is, Believe on the Lord Jesus Christ: the promise is,

whosoever believes in him,
shall not perish,
shall receive remission of sins,
shall be justified from all things,
shall have everlasting life.

Why then do you lean to works [that is, why do you trust in personal ability to be perfect], since salvation is by faith?

Why do you disquiet yourself about attaining the righteousness of the law [why are anxious about being perfect], and thereby suffer the law to disturb the peace of your conscience, since you have a far better righteousness, which ought to reign there [the righteousness of Christ can calm your conscience if you receive by faith] even the righteousness of faith ?

[But what about me? I am a believer, but my faith is not very strong? I falter and stumble. I am not good enough to continue to receive from Christ.]

You have as good a title to [right to] Christ and his righteousness as the strongest believer in the world; because your right comes from the soundness of faith [if your faith is real, it does not matter how “strong” it is] apprehending [taking hold of] Christ, and not, as your legal spirit [our natural tendency to seek self-justification]
would tell you, from the degree or measure of it.

Only remember, how highly you dishonor the infinite love and free salvation of Jesus, and how much you rob your own soul of its peace, and of its growth in-grace, by your weak and little faith. Think upon these things, and entreat the author and finisher of your faith to strengthen it in your soul. [Your weak faith does not keep you from salvation, but it does keep you peace. When you see the loss of peace, you should ask God to strengthen your faith and give you peace and assurance.]

William Romaine, A Treatise Upon the Life of Faith, 1809 [slightly modernized].