Here is Robert Capon's prayer, brilliantly articulating our grace-averse hearts:
Lord, please restore to us the comfort of merit and demerit. Show us that there is at least something we can do. Tell us that at the end of the day there will at least be one redeeming card of our very own. Lord, if it is not too much to ask, send us to bed with a few shreds of self-respect upon which we can congratulate ourselves. But whatever you do, do not preach grace. Give us something to do, anything; but spare us the indignity of this indiscriminate acceptance.