Yet it is also obvious that as faith is manifest by what it effects, then God both judges souls as being believers or not in the light of their works, and as fit to have their faith rewarded accordingly, (Mt. 25:32-40; Heb. 6:9; 10:35; Rv. 3:4) in His grace to sinners who apart from salvation on Christs account would be damned for their sins.
Thus works are necessary, as Reformers preached , as evidentiary fruit that such faith is salvific.
And as works require faith, so it can said that he that believes and is baptized in identification with the Lord Jesus (or otherwise confesses the Lord) shall be saved. For as with forgiveness and healing in the case of the palsied man, one equates to the other.
What is contrary to this is that that one is justified and truly merits eternal life by the good works that he performs by the grace of God, and that by a certain level of holiness one actually gain one entrance into Heaven, as in Rome:
Although the sinner is justified by the justice of Christ, inasmuch as the Redeemer has merited for him the grace of justification (causa meritoria), nevertheless he is formally justified and made holy by his own personal justice and holiness (causa formalis).” Catholic Encyclopedia>Sanctifying Grace
And regardless of theological verbosity regarding this, what is conveyed is what the natural disposition of her members is to believe, which is that they are children of God and who will accepted into glory because they are pretty good people (compared to their neighbors who think likewise).
For indeed, having been formally justified on account of one's own ("infused") holiness, one who has not maintained that or regained that level must suffer purifying torments in RC (EOs differ) "purgatory" to atone for sin and become pure enough to enter Heaven. For like in unScriptural Mormonic soteriology, there is more than one place for believers in the afterlife.
And which leads to other errors, that of indulgences (which EOs also differ on), and the salvific necessity (though in the diversity of Catholicism, not all RCs hold it is such a necessity) of praying to departed saints in Heaven, the defense of which is another matter of egregious extrapolation of Scripture being used in order to support traditions of men, a has been exposed here before.
Which is not surprising, since seems the weight of Scripture is not the basis for the veracity of RC doctrine. Instead the basis for RC assurance of Truth is the premise of the assured veracity of Rome
And having when often reproved some RCs, it appear they believe they are obtaining indulgences by engaging in their specious argumentation and taking more of our time than they are fit for/
That seems to be the crux of the matter....the issue.