Christians often use the term 'free grace' to describe the grace of God. And, in one sense, this phrase is absolutely accurate. We can do nothing to earn God's grace. It is freely given.
However, we live in an age where antinomianism permeates the church. Antinomianism is what famous armchair theologian Bid Manning called "credit card theology". This heresy says that a person can have faith in Christ and yet, live however they want. After all, Christ has paid for our sins.
I confess that I am prone more toward this sin than toward legalism (though I can be quite a good legalist, too). I tend to think of God as an indulgent grandfather in the sky who turns a blind eye toward our sin. This is quite dangerous.
Grace, in fact, is incredibly costly. Our sin incurred such a debt to God that we could never pay it. In order to pay the debt, Christ came to earth to live a perfect life and absorb all of God's wrath in his death on the cross. The debt our sin left was absorbed by God.
Don't skip over this. We as humans expect, when someone sins against us, for them to pursue our forgiveness (and rightly so). However, God, the offended party, pursued guilty men with his love and paid the debt that was owed to himself!
Let's put some skin on this for a minute: Have you ever hurt someone badly with your sin? I mean, hurt their heart. Deep. When this happens, if they choose to graciously forgive you, they absorb the hurt. You hurt them and they charge you no debt. (Note: This is only truly possible because Christ absorbed all of God's wrath on the cross. The person has no power to forgive in the deepest sense of the word apart from Christ's perfect work on the cross.) Yet, the person's hurt does not go away.
This is where the analogy breaks down. It is good for explaining the cost of forgiving grace, yet God is perfectly satisfied in Christ's work on the cross. In a temporal sense, this means that, when we repent, God fully forgives us with full satisfaction on his part.
The beauty of the gospel is that God absorbed the debt that was owed to himself. Grace is free. And grace is costly.
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