Phil Callaway said this quote

“ Back when I was a devout Pharisee, I scowled at those who talked about grace, assuming they wanted both salvation and permission to do whatever they pleased. And when I came to discover grace as a biblical concept, it frightened me at first. The old idea of being saved by works has its benefits. It's a system where God owes you. You've been helping him out with all your good deeds. He can't very well put you through difficulty, since you're a taxpayer. You've paid your dues, you have your rights. But the beyond-belief teaching of grace is that we get what we can never pay for and more, including joy and hope and the desire to please him. I like living by God's grace a lot better than relying on my own efforts. ”