The Bible never once refers to anything like the “Treasury of Merit,” and never is there the thought that atonement can be made by one believer for the sake of another’s sin. Paul expresses that, if it were possible, he would sincerely be willing to be accursed, if that would mean the redemption of his fellow Israelites in Romans 9 and 10.
Wala ni minsan tinukoy ang Bibliya gaya ng "Treasury of Merit," at wala kailanmang kaisipan na ang pagbabayad sa kasalanan ay magagawa ng isang mananampalataya para sa kapakanan ng iba. Ipinahayag ni Apostol Pablo, na kung ito ay posible, siya ay handang pakasumpain kung kapalit nito ay kaligtasan ng kapwa nya mga Israelita sa Roma 9 and 10.