Faith comes by hearing and hearing by the word of God. Further, we are begotten through the word. The Catholic Church and all denominations with their creeds and conventions are the ones guilty of private interpretation. Wills often come with conditions attached if one wants to receive the inheritance. Christ's will comes with the terms He has set down if we want the inheritance (salvation). Faith (Heb 11:6), repentance (Acts 17:30), confession (Rom 10:10), baptism (Acts 2:38) and living the Christian life (1st John 1:7). The word was committed to the apostles by the Holy Spirit Who helped carry it throughout the known world (Col 1:23) and Who commintted it to us through the written word for generations to come. Each of us are individually accountable to meet God on His terms; and his commands are not grevious. (Baptism, transliterated from the Greek Baptizo, meaning to immerse, dip, or plunge beneath. Private interpretation of this word can change its meaning.) No offense.