In a sense, sola gratia is a step behind sola fide. Yes, you are saved only by faith and not your works, but where did that faith come from? Are we expected to discover or develop it ourselves? This was significant in the protestant reformation for much the same reason as sola fide. Reformers like Martin Luther argued that scripture is clear. Our salvation does not come by works, and no pope or indulgence will change that. It is only by the grace of God and his gift of faith that we can be saved.
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