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Now to him who works, the loin (wages, batzalon [remuneration]) is not credited to one’s account as a favor or gift of chesed but as a choiv (debt).

But to the man who does not "work" but has emunah and bitachon in the One who takes the impious man lacking chasidus and accounts him to be YITZDAK IM HASHEM (justified with G-d), such a man who does not "work " but has emunah (faith), such emunah is credited to him for TZEDAKAH ("righteousness" BERESHIS 15:6).

As also Dovid HaMelech speaks of the me’ushar (blessedness) of the person whom Hashem reckons to be YITZDAK IM HASHEM (justified with G-d) without dependence on [zechusearning] ma’asim (works) [T.N. with merit (zechus) viewed as "pay" earned for "work" rendered‖see Ro 4:4]:

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Now to the one who works, wages are not credited as a gift(A) but as an obligation. However, to the one who does not work but trusts God who justifies the ungodly, their faith is credited as righteousness.(B) David says the same thing when he speaks of the blessedness of the one to whom God credits righteousness apart from works:

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