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To Be Saved By Grace
"God gives us a free gift—life forever in Christ Jesus our Lord." Romans 6:23

One of the hardest things to do is to be saved by grace. There's something in us that reacts to God's free gift. We have some weird compulsion to create laws, systems, and regulations that will make us "worthy" of our gift.

Why do we do that? The only reason I can figure is pride. To accept grace means to accept its necessity, and most folks don't like to do that. To accept grace also means that one realizes his despair, and most people aren't too keen on doing that either.
Max Lucaado