It is your due. The good news is that God does not deal with the believer according to the principles of economics. Works Faith Wage reckoned as what is due. Reckoned as righteousness. Now this brings us to a problem.
Faith is merely the instrument that brings the imputation of righteousness.
You see, faith in itself cannot make you righteous. It is by faith that the righteousness of Jesus Christ is credited or reckoned to you. You are reckoned by God as having the very righteousness of Christ in the same manner by which he was judged for your sins upon the cross. Blessed is the man whose sin the Lord will not take into account. Now we move to the case of David.