Chapter 11 / IT’S NOT EASY TO BELIEVE
There ought to be a law. A law against a merchant accepting a personal check in payment for anything under twenty dollars.
How often I have waited and waited in line while someone writes a check to pay for six dollars’ worth of groceries or eight dollars’ worth of miscellaneous items.
Why the wait? Simply because it is not easy to believe.
Imagine you are the customer trying to cash the check. You know the check is good. And perhaps even the cashier has received your checks from you earlier and knows you’re good for the amount. It doesn’t matter. The scenario is always the same. “Let me see your driver’s license.” Then she has to punch in the number to be sure your record is clear. All clear. “Let me see a major credit card.” She punches in that number. All clear. At last the clerk initials the check. Now the store believes you. But it wasn’t easy.
We’re only talking about money. And most of the time not a very large amount.
BELIEVING IN JESUS IS NOT EASY
Suppose the issue was not six or eight dollars but eternal life? And suppose I was being told that to have eternal life all I had to do was believe. It would not be easy to believe. Too much is at stake, and the more that is at stake, the harder it is to believe.
When we Christians ask someone to believe in the Lord Jesus Christ, we are asking something very difficult. We are asking the person to believe in someone he or she has never seen. Someone who lived in the very distant past. Someone who has no living eyewitnesses who can vouch for His character and the truth of His words. Someone whose biography was written very long ago and by those who were His friends.
For another reason, we are asking someone to believe in an almost unbelievable concept when we ask him to believe that Christ can forgive his sins. The issue at stake is not the tab at the supermarket or whether someone lived and said this or that. We are asking the person to believe that this unseen individual, Jesus, who lived so long ago, can forgive sins, give eternal life, and guarantee us a home in heaven. And this forgiveness can be given because He died as our substitute. Is this easy?
If one’s faith is mistaken or misplaced, it could be a very costly error. The issue does not concern a few dollars or a few years of life on earth. It concerns eternity. Since all of this is involved in faith, it is not easy to believe.
WE BELIEVE ALL THE TIME
And yet we all do believe in hundreds of ways every day. We believe that everyone at the water company is doing his job well, so we can turn on the tap and drink safely. We believe that the letter we mailed will be delivered. We believe that the skill of engineers and contractors who designed and built the many buildings we walk in and out of will keep them from falling on our heads. And (this one always amazes me) we believe the cashier who tells us, “Your photos will be back in one hour.”
WHAT IS FAITH?
What is faith? Is it merely assent to facts? Does it involve any kind of commitment, particularly the commitment of the years of one’s life on earth? What does it mean when the Bible says that the demons believe and shudder (James 2:19)? How can some people apparently believe and not be saved, while others believe and are saved?
Faith means “confidence, trust, holding something as true.” Certainly, faith must have some content. There must be confidence about something or in someone. To believe in Christ for salvation means to have confidence that He can remove the guilt of sin and give eternal life. It means to believe that He can solve the problem of sin, which is what keeps a person out of heaven.
One can also believe Christ about a multitude of other things, but these are not involved in salvation. A person can believe He is Israel’s Messiah, and He is. One can believe He was born without a human father being involved in the act of conception, and that is true. A person can believe that what Jesus taught while on earth was good, noble, and true, and it was. He can believe Jesus will return to earth, and He will. One can believe Christ is the Judge of all, and He is. A person can believe He is a prophet and a priest, that priesthood being shaped after the order of Melchizedek, and one would be right.
We can believe all those things. You and I also may believe He is able to run our lives—and He surely is able to do that, and He wants to. But these are not the issues of salvation.
The only issue is whether or not you believe that His death paid for all your sin and that by believing in Him you can have forgiveness and eternal life.
Faith has an intellectual facet to it. The essential facts are that Christ died for our sins and rose from the dead (1 Corinthians 15:3–4; Romans 4:25). In addition, faith involves assent or agreement with those facts. One can know the facts of the Gospel and either agree or disagree with them. But faith also involves an act of the will, for we can decide either to obey or to reject God’s command to believe (Acts 16:31). And making whichever choice we do involves our will.
These three aspects of faith are quite standard in theology. For example, Charles Hodge summarized the meaning of faith that is connected with the Gospel this way:
That faith, therefore, which is connected with salvation includes knowledge, that is a perception of the truth and its qualities; assent, or the persuasion of the truth of the object of faith; and trust, or reliance. The exercise, or state of mind expressed by the word faith, as used in the Scriptures, is not mere assent, or mere trust; it is the intelligent perception, reception, and reliance on the truth, as revealed in the Gospel.[1]
Please observe the clear focus of Hodge’s definition. He is defining faith “which is connected with salvation.”
Louis Berkhof, a Reformed theologian like Hodge, included the same three elements in faith: (1) an intellectual element (notitia) or knowledge; (2) an emotional element (assensus) or assent to the truth; and (3) a volitional element (fiducia) or the involvement of the human will.[2]
In elaborating on the third element in faith—the volitional— Berkhof focused clearly on what that consists of. He wrote: “The third element consists in a personal trust in Christ as Saviour and Lord, including a surrender of the soul as guilty and defiled to Christ, and a reception and appropriation of Christ as the source of pardon and spiritual life.”[3] And further, “The object of special faith, then, is Jesus Christ and the promise of salvation through Him. The special act of faith consists in receiving Christ and resting on Him as He is presented in the gospel.”[4] Berkhof did not speak to the issue of the mastery of Christ over one’s life when discussing these three elements of faith. His third aspect, fiducia, concerned the involvement of the human will in personal trust in the Lord for salvation, not commitment of the years of one’s life to His mastery (contrary to the proponents of lordship salvation).[5]
John Murray, another Reformed theologian, also saw the same three elements in faith: knowledge, conviction, and trust are his words. In further describing trust, he wrote it is
A transference of reliance upon ourselves and all human resources to reliance upon Christ alone for salvation. It is a receiving and resting upon him. It is here that the most characteristic act of faith appears; it is engagement of person to person, the engagement of the sinner as lost to the person of the Saviour able and willing to save…. Faith is trust in a person, the person of Christ, the Son of God and Saviour of the lost. It is entrustment of ourselves to him. It is not simply believing him; it is believing in him and on him.[6]
MORE THAN FACTS
From these suggested descriptions of faith, it is obvious that faith involves more than the knowledge of facts. The facts must be there or faith is empty. But even assent, however genuine, must be accompanied by an act of the will to trust in the truth that one has come to know and assented to.
Hodge’s use of the word trust may be particularly appropriate today, for the words believe and faith sometimes seem to be watered down so that they convey little more than knowing facts. Trust, however, implies reliance, commitment, and confidence in the objects or truths that one is trusting. An element of commitment must be present in trusting Christ for salvation, but it is commitment to Him, His promise, and His ability to give eternal life to those who believe.
The object of faith or trust is the Lord Jesus Christ, however little or much one may know about Him. The issue about which we trust Him is His ability to forgive our sins and take us to heaven. And because He is the Lord God, there is an element in bowing before Him and acknowledging Him as a most superior person when one trusts Him for salvation.
BELIEF THAT DOES NOT SAVE
But is there not a kind of faith that does not save? Do not the demons exhibit such faith? In James 2:19 we are told that the demons believe and shudder. What is it that demons believe? The first part of the verse answers that question. They believe in one God. They are monotheists. And they shudder because they know that this God will someday judge them. They will not have the option of being judged by some other god who might overlook their sins, since there exists only one true God. James does not say what else they believe. In this verse, the only thing we are told is that they believe in one God. Thus this verse that is often quoted to show that some creatures can believe but not be saved is irrelevant to the issue of salvation, for it says only that demons are monotheists.
Nevertheless, it is true that some people can believe and not be saved. King Agrippa apparently believed the facts that confirmed that Jesus of Nazareth was the promised Savior (Acts 26:27). But he refused to receive Jesus and His salvation.
What makes the difference between those who believe and are not saved and those who believe and are saved? Apparently those who believe and are not saved know the facts of the Gospel and may even give assent to its truthfulness, but they are unwilling to trust the Savior for their personal salvation. Knowledge and assent without being willing to trust cannot in themselves save.
The New Testament always says that salvation is through faith, not because of faith (Ephesians 2:8). Faith is the channel through which we receive God’s gift of forgiveness and eternal life. God has arranged it so that no one can ever boast, not even about his faith.
Normally the New Testament word for believe is used with the preposition that means “in” (John 3:16), indicating reliance or confidence or trust in the object of the faith. Sometimes the word believe is followed by a preposition that means “upon,” emphasizing laying hold on the object of faith (Romans 9:33). Sometimes it is followed by a clause that explains the content of faith (Romans 10:9, 11).
Does the New Testament use other words interchangeably with believe? Yes, it does. Receive is one (John 1:12); call is another (Romans 10:13). Confess is one (Romans 10:9; Hebrews 4:14); ask is another (John 4:10). Come is one (Revelation 22:17); take is another (Revelation 22:17).The person who asks or confesses or calls or receives or comes or takes, believes.
Of course, when one believes he commits to God. Commits what? His eternal destiny. That’s the issue, not the years of his life on earth. Certainly when one believes he bows to a superior person, to the most superior person in all the universe. So superior that He can remove sin.
But it is not easy to believe that someone whom neither you nor any other living person has ever seen did something nearly two thousand years ago that can take away sin and make you acceptable before a holy God. But it is believing that brings eternal life.
Charles C. Ryrie, So Great Salvation: What It Means to Believe In Jesus Christ (Wheaton, IL: Victor Books, 1989), 115-123.
NOTES
[1] Charles Hodge, Commentary on the Epistle to the Romans (Grand Rapids: Eerdmans, 1967), 29.
[2] Louis Berkhof, Systematic Theology (Grand Rapids: Eerdmans, 1941), 503–5.
[3] Ibid., 505.
[4] Ibid., 506.
[5] John MacArthur, The Gospel According to Jesus (Grand Rapids: Zondervan, 1988), 173.
[6] John Murray, Redemption—Accomplished and Applied (Grand Rapids: Eerdmans, 1965), 138.