Though on the last point, I agree that the faith given by the holy spirit will be effective in the life of the sinner so that the sinner will most certainly embrace Christ, meaning it will always be 100% beneficial.
There is confusion of terms. Let me draw an analogy between the Word and medicine. Medicine is efficacious whether one believes it is or not. However, it only becomes beneficial if it is received.
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You seem to suggest a prevenient grace perspective with salvation.
Just the opposite, my concern is that Calvinism is embracing prevenient grace by saying that God delivers salvation in little packets along the order of salvation.
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In other words, the sinner can either embrace the faith or reject it. The scriptures do not teach there is an option for sinners to reject God's efficacious grace.
The sinner has no free will either to accept or reject. God's efficacious grace is beneficial when and where it pleases God.
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All sinners who are granted God's effectual grace are elect sinners to begin with. If you believe differently, and all of the hardcore Lutherans I have debated in the past do, I would like for you to provide some scriptural evidence of a person rejecting effectual regenerative grace.
The efficacious Word is beneficial when and where it pleases God. But like all true Calvinists, you wish to say more than scripture teaches. The Lutheran Confessions show the harm in so doing.
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The eternal election of God, however, not only foresees and foreknows the salvation of the elect, but is also, from the gracious will and pleasure of God in Christ Jesus, a cause which procures, works, helps, and promotes our salvation and what pertains thereto; and upon this [divine predestination] our salvation is so founded that the gates of hell cannot prevail against it, Matt. 16, 18, as is written John 10, 28: Neither shall any man pluck My sheep out of My hand. And again, Acts 13, 48: And as many as were ordained to eternal life, believed. 9] Nor is this eternal election or ordination of God to eternal life to be considered in God's secret, inscrutable counsel in such a bare manner as though it comprised nothing further, or as though nothing more belonged to it, and nothing more were to be considered in it, than that God foresaw who and how many were to be saved, who and how many were to be damned, or that He only held a [sort of military] muster, thus: "This one shall be saved, that one shall be damned; this one shall remain steadfast [in faith to the end], that one shall not remain steadfast." 10] For from this [notion] many derive and conceive strange, dangerous, and pernicious thoughts, which occasion and strengthen either security and impenitence or despondency and despair, so that they fall into troublesome thoughts and [for thus some think, with peril to themselves, nay, even sometimes] say: Since, before the foundation of the world was laid, Eph. 1, 4, God has foreknown [predestinated] His elect to salvation, and God's foreknowledge [election] cannot fail nor be hindered or changed by any one, Is. 14, 27; Rom. 9, 19, therefore, if I am foreknown [elected] to salvation, nothing can injure me with respect to it, even though I practise all sorts of sin and shame without repentance, have no regard for the Word and Sacraments, concern myself neither with repentance, faith, prayer, nor godliness; but I shall and must be saved nevertheless, because God's foreknowledge [election] must come to pass. If, however, I am not foreknown [predestinated], it helps me nothing anyway, even though I would occupy myself with the Word, repent, believe, etc.; for I cannot hinder or change God's foreknowledge [predestination]. 11] And indeed also to godly hearts, even when, by God's grace they have repentance, faith, and a good purpose [of living in a godly manner], such thoughts occur as these: If you are not foreknown [predestinated or elected] from eternity to salvation, everything [your every effort and entire labor] is of no avail. This occurs especially when they view their weakness and the examples of those who have not persevered [in faith to the end], but have fallen away again [from true godliness to ungodliness, and have become apostates]. 12] To this false delusion and [dangerous] thought we should oppose the following clear argument, which is sure and cannot fail, namely: Since all Scripture, given by inspiration of God, is to serve, not for [cherishing] security and impenitence, but for reproof, for correction, for instruction in righteousness, 2 Tim. 3, 16; also, since everything in God's Word has been prescribed to us, not that we should thereby be driven to despair, but that we, through patience and comfort of the Scriptures, might have hope, Rom. 15, 4, therefore it is without any doubt in no way the sound sense or right use of the doctrine concerning the eternal foreknowledge of God that either impenitence or despair should be occasioned or strengthened thereby. Accordingly, the Scriptures teach this doctrine in no other way than to direct us thereby to the [revealed] Word, Eph. 1, 13; 1 Cor. 1, 7; exhort to repentance, 2 Tim. 3, 16; urge to godliness, Eph. 1, 14; John 15, 3; strengthen faith and assure us of our salvation, Eph. 1, 13; John 10, 27f ; 2 Thess. 2, 13f.