"Do we delight to talk about "free grace" and "free gift"? Pharisees never do so because they realise that these terms make them out to be paupers as all others. They like to feel they have earnt salvation or at least they have made a contribution towards it. They do not like to emphasise the "freeness" of salvation".
Dr Martyn Lloyd-Jones - "Romans: Assurance (Romans 5)" - Banner of Truth Trust, Edinburgh (1971) - (p256).