God made the gospel simple.
Romans 10:9-13 because, if you confess with your mouth that Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved. For with the heart one believes and is justified, and with the mouth one confesses and is saved. For the Scripture says, “Everyone who believes in him will not be put to shame.” For there is no distinction between Jew and Greek; for the same Lord is Lord of all, bestowing his riches on all who call on him. For “everyone who calls on the name of the Lord will be saved.”
If people complicate it to the point where only the elitists can *understand* it and have to relay it on to the unwashed, then it needs to go right into the trash, where it belongs.
Your chosen target for your attack is ironic. (Seriously, someone would think this is the first time you read a post in the religion forum.) The 2nd sentence of the post, minus my introduction: “... it is not knowledge that betters us or makes us saints, but the kind of life we lead....”
From there, he provides examples and history of how people forget that, and how it interferes with living the gospel. (Specifically, his topic is pelagianism, the same topic as much of Calvin’s writing.)
His conclusion is simple, and strictly biblical:
“Saint Paul says that what truly counts is “faith working through love”
(Gal 5:6).
We are called to make every effort to preserve charity: “The one who loves another has fulfilled the law… for love is the fulfilment of the law” (Rom 13:8.10).
“For the whole law is summed up in a single commandment, ‘You shall love your neighbour as yourself’” (Gal 5:14).
Also... the bible itself is a pretty big book. It has a few very concise summations buried within it (pointed out here by Pope Francis, and by millions of other people), but Paul alone wrote 13 letters of commentary on the Gospel, and the God himself ordained that the bible includes not only the gospel but several hundred pages of supporting documents (i.e., the Old Testament) and commentary (i.e., most of the New Testament).