"The biblical picture of a saving experience is masterful in its clarity and simplicity. A single, one-time appropriation of God's gift results in a miraculous inward transformation that can never be reversed.
Since this is true, we miss the point to insist that true saving faith must necessarily continue. Of course, our faith in Christ should continue. But the claim that it absolutely must, or necessarily does, has no support in the Bible . . . . It is sufficient to observe that the Bible predicates salvation on an act of faith, not on the continuity of faith."
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This is a quote from Zane Hodge's book, Absolutely Free, (p. 63) which was a reply to John MacArthur's "Lordship salvation" position. In one short quote Hodges succeeds in turning faith into a human work (a one-time appropriation), he denies the perseverance of the saints (faith need only occur, not continue), and he makes the act of faith (not Christ) the ground of our salvation.
Would that every theologian be able to accomplish so much in so few words!