“God is put in the position of a debtor and is in duty-bound to reward a good work with the gift of eternal life. This is a wicked teaching………… If I could perform any work acceptable to God and deserving of grace, and once having obtained grace my good works would continue to turn for me the right and reward of eternal life, why should I stand in need of the grace of God and the suffering and death of Christ? Christ would be of no benefit to me. Christ mercy would be no use to me.” So says Luther and his commentary on Galatians.
How often do we go to the length of believing we would be doing God a favor if we return to him. So God becomes dependent on the grace of man.