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Now the account of someone who is working is credited not on the ground of grace but on the ground of what is owed him. However, in the case of one who is not working but rather is trusting in him who makes ungodly people righteous, his trust is credited to him as righteousness.

In the same way, the blessing which David pronounces is on those whom God credits with righteousness apart from legalistic observances:

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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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