" God has not rendered you due punishment, but bestows upon you unmerited grace. If you wish to be an alien from grace, boast your merits," (in Psa 70) Again, "You are nothing in yourself, sin is yours, merit God's. Punishment is your due; and when the reward shall come, God shall crown his own gifts, not your merits, "

― John Calvin , Institutes of the Christian Religion, 2 Vols