The Treasury of Merit

The Treasury of Merit

Comments on Galatians with an ear to Luther’s commentary

Scripture Text: Galatians 3:10 and Titus 3:5–8

Series: Comments on Galatians

Today's Scripture Jigsaw

There is another example, even more extreme, of the mistaken belief that our works save us. The so-called treasury of the church or the treasury of merit in Roman Catholic theology teaches that, if our own good works are deficient for salvation, the good works or merit of others may be applied to our accounts. Out of this doctrine comes the treasury of indulgences. From this supply, mercy could be purchased from the church that would remove time in so-called purgatory.

This doctrine is what sent Luther over the edge and caused him to pen his 95 Theses. For this teaching causes us to trust in our own righteousness, the righteousness of others, and the fortunes of family and friends who might purchase enough certificates of indulgence to release us from our bondage to sin. This doctrine calls Christ a fraud and no savior at all. It mocks his cross and makes him helpless, one who needs our help and the merits of saints. It declares us to be the Christ and Savior who have come to save, not only ourselves but, others. 

There is, indeed, a treasury of merit stored up for us. We may depend upon it for forgiveness and salvation. This storehouse is found in the cross and empty grave of Jesus Christ, not in our good works or the works of others. We are justified by his grace alone. “The saying is sure.”

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