Is it not amazing that God reconciled Himself to us? If our bank account is cleared to a balance of zero is this enough to stand before God? In other words, is it enough to say we only need our sins forgiven? Do we not need merit? Yes, we need to be righteous. However, we cannot become righteous. The only way for a guilty man to be righteous is a declaration by the Judge. Essentially, that is what justification is–namely, being declared righteous though we are unrighteous. So, we need our sin nailed to the cross and we need the righteousness of Christ in our account. This is what we bank on in justification.
By Grace alone, through Faith alone, in Christ alone, to the Glory of God alone…Jusification: one piece of the salvation of God.