"There is no doubt that it is entirely by the intervention of Christ’s righteousness that we obtain justification before God. This is equivalent to saying that man is not just in himself, but that the righteousness of Christ is communicated to him by imputation, when really he deserves punishment. So we can dismiss the absurd dogma that man is justified by faith because it brings him under the influence of God’s spirit, by whom the sinner is made righteous." (John Calvin, Institutes of Christian Religion, Book 3, Chapter 11, #23) (emphasis mine).
Since it were not sufficient duly to perform such acts, were not the mind and heart previously endued with sentiments of justice, judgment, and mercy this is done when the Holy Spirit, instilling his holiness into our souls, so inspired them with new thoughts and affections, that they may justly be regarded as new. (John Calvin, Institutes of the Christian Religion, Book 3, Chapter 3, #8) (emphasis mine).
1) Protestants must deny that man can produce saving faith on his own if they wish to avoid Pelagianism.
2) In order to produce saving faith, one must be regenerated (or at least "made new," or empowered by God in some fashion).
3) If the sinner is regenerated (or whatever it may be called) in order to have saving faith, how can it then be said that justification doesn’t inwardly change the sinner? The sinner was already inwardly changed in order that he could believe!
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