Oh to Grace how great a debtor

If, as the ancient hymn asserts, I'm daily a debtor to Grace, to whom or what am I indebted? 

Like most of my millennial peers, when I don't know the answer to something, I find myself typing "www.google.com" before I even have a clear understanding of how to phrase my search.  (What Would Google Say? perhaps becoming the new go-to for my generation...more thoughts on that later.)  Well, a Google search offers audio pronunciation, phonetic spelling, a fairly thorough etymology, translation options, and multiple definitions of the word "grace."  Nestled in all of that, the closest thing I could find to a description of Grace worthy of debt was "the free and unmerited favor of God, as manifested in the salvation of sinners and the bestowal of blessings."  For a quick definition from Google, I think that's actually pretty good!  But knowing the definition is much different from understanding the concept.

In his book What's so Amazing about Grace?, author Philip Yancey spends about 300 pages trying to recapture the deep meaning of Grace, something he describes as "the last best word."  In his first chapter, he quotes a counselor who beautifully describes why Grace has lost much of its meaning:

"Many years ago I was driven to the conclusion that the two major causes of most emotional problems among evangelical Christians are these:  the failure to understand, receive, and live out God's unconditional grace and forgiveness; and the failure to give out that unconditional love, forgiveness, and grace to other people... We read, we hear, we believe a good theology of grace.  But that's not the way we live.  The good news of the Gospel of grace has not penetrated the level of our emotions."  (italics mine)

I can have all of the tools of theology at my disposal in regards to understanding Grace, but unless I allow it to change my thinking and my habits I am no better off than a Google search, parroting back the definition without any meaning.  Perhaps it is hard to understand Grace because there is something in our nature that inherently does not want to accept Grace.  It offends our sense of "I can do it all by myself!"  We much prefer a system that asserts that we earn what we want and we keep what we earn.  In this 'bootstraps' mentality, we feel like we have a right to whatever it is we have worked for; Grace demands that we recognize that it is something we cannot and will not ever earn.  

In our relationship with God, we try to avoid the debt to Grace by working our way to Him.  As Yancey says,

"Even when we have committed a wrong, we want to earn our way back into the injured party's good graces.  We prefer to crawl on our knees, to wallow, to do penance, to kill a lamb - and religion often obliges us."

Legalism and religion often offer ways in which we can try to make deposits in our account with God.  Contrasted with faith and relationship (in which we have nothing but God's Grace to rest on), legalism feels secure because it tells us that we have something to offer, that we bring something to this transaction, that we can be in some sort of control.  Legalism lets us think we can avoid the debt to Grace, because who likes going into debt?  Relying on Grace, however, means that we give up anything we thought we could offer, and we approach God simply and purely on the basis of Christ's sacrifice.  

Not on our sacrifice, not on our terms, not in our own merit.  

"Indeed, 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 and be found in him, not having a righteousness of my own that comes from the law, but that which comes through faith in Christ..." (Philippians 3:8-9, ESV)

This is the daily debt we owe to Grace:  that we count anything we once thought we could offer as "rubbish" and come to God with nothing but a desperate prayer that He will see us as covered by the sacrifice of Jesus Christ.  And He does.  He extends Grace to us, and we receive "the free and unmerited favor of God, as manifested in the salvation of sinners and the bestowal of blessings."   If, as Yancey quotes, "we read, we hear, we believe a good theology of grace.  But that's not the way we live," we rob ourselves of experiencing that "free and unmerited favor" and we instead spend our lives striving to earn a place at God's table...something we can never hope to do.