Romans 4:4-5 Now, when a man works, his wages are not credited to him as a gift, but as an obligation. However, to the man who does not work, but trusts God who justifies the wicked, his faith is credited as righteousness.
Read Romans 4:4-5, Titus 3:7,Hebrews 2:9 These verses describe the difference between grace and indebtedness. If a man works, then his wages are his employers debt to him. So his reward is not a grace from the employer, but a reward for his work. If a person tries to work to get to heaven, they will never get there, because their reward is given to them on earth in the accolades and attention they get for their good works, and that you cannot work hard enough to make up for your sins because you are always committing more sins. The debt is never ending. However, if you rely on God’s grace and goodwill through faith in Jesus Christ and his ability to forgive your sins, then God’s grace is your reward, and your sins are forgiven. God doesn’t ever owe you forgiveness. He chose to give it to you, it is up to you to accept it.
Read Acts 8:1-24 This is the story of Simon the Sorcerer who has practiced sorcery on the city and has a high position within the city due to his sorcery. He listens to Philip and becomes a believer and is baptized. He makes a big mistake because of ego, he wants to have the Holy Spirit, but wants it for the wrong reasons. He offers to buy it from Peter and John when they come into the city and start preaching and healing with it. Peter and John tell him he has made a big mistake and curse him. He asks them to pray for him, and they said that they would pray that God will forgive him for trying to buy God. The point of this story is that Grace is freely given. It is not something you can work for, or buy. It is not a debt that can be paid in wages for work. You cannot buy God, with money or with good deeds. You can receive God as a gift He gives you.