We all need grace. Every one of us has done something to make us 'un-right' with God. But no matter how much we try to balance the equation ourselves, we can't get there. God's grace is unearnable.
But because of God's grace and what Jesus has done, salvation solves the equation not by balancing it, but by tipping the whole thing overwhelmingly in God's direction.
The Unsettling Solution for Just about Everything - Don't Do The Math