True this faith that is exercised involves the work of the Holy Spirit, but it involves also the act of the human will. Without this sanctifying faith, you cannot be justified. Justification is also not said to be complete until you die, perseverance being a condition of justification. The cumulative teaching of these similar schemes yield the following ideas. Justifying righteousness is equated with faith, not the imputed righteousness of the Lord Jesus Christ.
Justification is restricted to pardon.
Justification is incomplete until death. You may lose your salvation and therefore your justification. Regeneration, and therefore justification, is not a sovereign act of God, but only occurs when you decide to exercise faith in co-operation with the Holy Spirit. These ideas surface in the preaching of Billy Graham, who acknowledges Finney's importance in his own ministry. We must be ready to receive Christ as Lord and Saviour with all our hearts.