Part of the above is found in John Piper’s message “Faith and Reason“. Here is an excerpt:

Now the key question is: What does faith receive in order to be justifying faith? The answer, of course, is that faith receives Jesus Christ. “Believe on the Lord Jesus and you will be saved” (Acts 16:31). “To all who did receive him, who believed in his name, he gave the right to become children of God” (John 1:12). Faith saves because it receives Christ.

But we must make clear what this actually means, because there are so many people who say they have received Christ and believed on Christ, who give little or no evidence that they are spiritually alive. They are unresponsive to the spiritual beauty of Jesus. They are unmoved by the glory of Christ. They don’t have the spirit of the apostle Paul when he said, “I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord. For his sake I have suffered the loss of all things and count them as rubbish, in order that I may gain Christ” (Philippians 3:8). This is not their spirit, yet they say they have received Christ.

One way to describe this problem is to say that when these people “receive Christ,” they do not receive him as supremely valuable. They receive him simply as sin-forgiver (because they love being guilt-free), and as rescuer-from-hell (because they love being pain-free), and as healer (because they love being disease-free), and as protector (because they love being safe), and as prosperity-giver (because they love being wealthy), and as Creator (because they want a personal universe), and as Lord of history (because they want order and purpose); but they don’t receive him as supremely and personally valuable for who he is. They don’t receive him as he really is—more glorious, more beautiful, more wonderful, more satisfying, than everything else in the universe. They don’t prize him or treasure him or cherish him or delight in him.

Or to say it another way, they “receive Christ” in a way that requires no change in human nature. You don’t have to be born again to love being guilt-free and pain-free and disease-free and safe and wealthy. All natural men without any spiritual life love these things. But to embrace Jesus as your supreme treasure requires a new nature. No one does this naturally. You must be born again (John 3:3). You must be a new creation in Christ (2 Corinthians 5:17; Galatians 6:15). You must be made spiritually alive (Ephesians 2:1-4).

Therefore, saving faith is a receiving of Christ for who he really is and what he really is, namely, more glorious, more wonderful, more satisfying, and therefore more valuable than anything thing in the universe. Saving faith says, “I receive you as my Savior, my Lord, my supreme Treasure; and I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord.” Which is why Jesus said, “Therefore, any one of you who does not renounce all that he has cannot be my disciple” (Luke 14:33). And again, “Whoever loves father or mother more than me is not worthy of me, and whoever loves son or daughter more than me is not worthy of me” (Matthew 10:37). And again, “The kingdom of heaven is like treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys that field” (Matthew 13:44).

The infinite glory of Jesus makes him infinitely valuable and infinitely satisfying. Saving faith receives this Christ. Not that we experience the fullness of joy now, or the climax of satisfaction in this life, but we taste it (Psalm 34:8 ) and we know where it is found (John 6:35) and we “press on to make it [our] own, because Christ Jesus has made [us] his own” (Philippians 3:12).

By John Piper. © Desiring God. Website: desiringGod.org

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