"Sometimes Fundamentalists portray Catholics as if they must every moment be in terror of losing their salvation since Catholics recognize that it is possible to lose salvation through mortal sin.”
But the truth of the matter is that the vast majority of Roman Catholics act as though they cannot have assurance of salvation.
What is more, these people attend Mass on a weekly basis for the express purpose of receiving grace from God. Salvation for them is viewed as a wage that can be depleted daily by sin. The Roman Catholic Church views grace as forgiveness plus works of obedience, which is not a biblical definition of grace at all. It is an unmerited, undeserved gift of God (Romans 5:6-10; Ephesians 2:8-9). Our good works cannot get us into the kingdom of heaven.
The Bible tells us that we can indeed have absolute assurance of salvation (John 5:24; 1 John 5:13). If we have Jesus Christ, then we are justified (John 1:12; Romans 8:15-17). The salvation that He gives to believers is complete salvation. We simply need to place our trust in Him (John 3:16; Acts 16:30-31). If we repent and believe on the gospel, then we are saved (Romans 10:9-10). We are saved by trusting in His work alone. Consider two quotes from Roman Catholic sources:
"If any one saith, that he will for certain, of an absolute and infallible certainty, have that great gift of perseverance unto the end, unless he have learned this by special revelation; let him be anathema. (Sixth session, Canon XVI)
This is not meant to provide commentary on the eternal security debate. I personally believe that a person can "walk away" from his or her salvation. The point being stressed here is that Christians do not have to fear as do Roman Catholics about quickly and unexpectedly loosing fellowship with God as a result of no longer being considered worthy (knowledgeable Catholics would object to this line of reasoning by saying that I misrepresent Catholic dogma, but justification cannot simply be a gift of God if our works contribute at all). Nobody deserves to be saved. None of our good works can save us, including any so-called "works of grace." Our justification is not based on performance, but we are responsible for our eternal destiny. The question is how we respond to the gospel. We should be walking the Christian walk in humility, not doubt (which is simply a consequence of a works-based righteousness).
We can have infallible assurance of salvation because God has promised such to us in Scripture. He is faithful and trustworthy. He can neither lie nor deceive. In Roman Catholicism, committing one mortal sin constitutes a loss of all saving grace and so requires confession to an ordained priest. Moreover, nobody knows when he or she is going to commit one of those allegedly salvation forfeiting sins. What if a person dies before getting to the confessional? But God is much bigger than that. Whoever calls upon His name shall be saved (Romans 10:13). The author of the article at Catholic Answers makes the following statements:
The New Testament most certainly does use three tenses in describing salvation. The initial tense simply involves God pardoning the iniquity of the sinner. Christians are no longer under the penalty of sin. That is justification. The ongoing tense involves being conformed gradually to character of the Lord Jesus Christ. That is sanctification. The future tense involves being utterly taken away from the presence of sin in heaven. That is glorification. The author seems to have confused justification with sanctification, which is an abysmal error. In addition, James Swan has made an observation regarding the irony interwoven in the midst of this theological catastrophe:
"Roman Catholics are always bringing up certainty, as if by being a member of the Roman Church, one of the benefits is certainty. That is, by being a Roman Catholic you can (allegedly) know with certainty which books are supposed to be in the Bible, you can know with certainty which is the church Jesus Christ established, you can know what the Bible says and means with certainty. But ironically, on a very basic (and important) fundamental human issue, you can’t have certainty of your salvation."
If one takes the Word of God to heart, then he or she will depend wholly on Christ for salvation (Matthew 11:28-30). We cannot make reparation for our sins because doing such requires a perfect substitute (Hebrews 7:25; 10:10-14).We cannot make reparation for our sins because that has already been accomplished at the cross. The gospel nowhere demands that it be administered through some complex church hierarchy. Works are the product, not the cause, of justification. We do them out of gratitude for what God has accomplished on our behalf. We should do them because our hearts have been transformed through the indwelling of the Holy Spirit.