In other words, we are all created in God's holy image, thus our calling, our vocation is to reflect that holy image in our living. However, because we are sinful creatures, we cannot by ourselves, become saints. The words, in most cases, refer to the whole church, all of Christ's followers, all forgiven sinners. People in the world do good to those who do good to them, saints do their best to do good to everyone. People in the world lend to those who have good credit ratings.
Saints lend to bad risks.
Simply put, saints are different folk, different because they do not work in the way the world works, believe in the way the world believes, or see in the way the world sees. A family of five were enjoying their day at the beach. The children were bathing in the ocean and making castles in the sand when in the distance a little old lady appeared. Her gray hair was blowing in the wind and her clothes were dirty and ragged. The parents called the children to their side and told them to stay away from the old lady.