God's accounting is different from man's accounting.
In the heaven's accounts book, FAITH is accounted as, RIGHTEOUSNESS!
Romans 4
English Standard Version (ESV)
Abraham Justified by Faith
4 What then shall we say was gained by Abraham, our forefather according to the flesh? 2 For if Abraham was justified by works, he has something to boast about, but not before God. 3 For what does the Scripture say? “Abraham believed God, and it was counted to him as righteousness.” 4 Now to the one who works, his wages are not counted as a gift but as his due.5 And to the one who does not work but believes in him who justifies the ungodly, his faith is counted as righteousness, 6 just as David also speaks of the blessing of the one to whom God counts righteousness apart from works:
7 “Blessed are those whose lawless deeds are forgiven,
and whose sins are covered;
8 blessed is the man against whom the Lord will not count his sin.”
and whose sins are covered;
8 blessed is the man against whom the Lord will not count his sin.”
9 Is this blessing then only for the circumcised, or also for the uncircumcised? For we say that faith was counted to Abraham as righteousness. 10 How then was it counted to him? Was it before or after he had been circumcised? It was not after, but before he was circumcised. 11 He received the sign of circumcision as a seal of the righteousness that he had by faith while he was still uncircumcised. The purpose was to make him the father of all who believe without being circumcised, so that righteousness would be counted to them as well, 12 and to make him the father of the circumcised who are not merely circumcised but who also walk in the footsteps of the faith that our father Abraham had before he was circumcised.
The Promise Realized Through Faith
13 For the promise to Abraham and his offspring that he would be heir of the world did not come through the law but through the righteousness of faith. 14 For if it is the adherents of the law who are to be the heirs, faith is null and the promise is void. 15 For the law brings wrath, but where there is no law there is no transgression.16 That is why it depends on faith, in order that the promise may rest on grace and be guaranteed to all his offspring—not only to the adherent of the law but also to the one who shares the faith of Abraham, who is the father of us all, 17 as it is written, “I have made you the father of many nations”—in the presence of the God in whom he believed, who gives life to the dead and calls into existence the things that do not exist. 18 In hope he believed against hope, that he should become the father of many nations, as he had been told, “So shall your offspring be.” 19 He did not weaken in faith when he considered his own body, which was as good as dead (since he was about a hundred years old), or when he considered the barrenness of Sarah's womb. 20 No unbelief made him waver concerning the promise of God, but he grew strong in his faith as he gave glory to God, 21 fully convinced that God was able to do what he had promised.22 That is why his faith was “counted to him as righteousness.” 23 But the words “it was counted to him” were not written for his sake alone, 24 but for ours also. It will be counted to us who believe in him who raised from the dead Jesus our Lord, 25 who was delivered up for our trespasses and raised for our justification.
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Hebrews 11:6
And without faith it is impossible to please him, for whoever would draw near to God must believe that he exists and that he rewards those who seek him.
Hebrews 11:3
By faith we understand that the universe was created by the word of God, so that what is seen was not made out of things that are visible.
Hebrews 10:19
[ The Full Assurance of Faith ] Therefore, brothers, since we have confidence to enter the holy places by the blood of Jesus,
Hebrews 10:22
let us draw near with a true heart in full assurance of faith, with our hearts sprinkled clean from an evil conscience and our bodies washed with pure water.
Hebrews 10:38
but my righteous one shall live by faith, and if he shrinks back, my soul has no pleasure in him.”
Hebrews 10:39
But we are not of those who shrink back and are destroyed, but of those who have faith and preserve their souls.
Hebrews 11:1
[ By Faith ] Now faith is the assurance of things hoped for, the conviction of things not seen.
Hebrews 12:1
[ Jesus, Founder and Perfecter of Our Faith ] Therefore, since we are surrounded by so great a cloud of witnesses, let us also lay aside every weight, and sin which clings so closely, and let us run with endurance the race that is set before us,
Hebrews 12:2
looking to Jesus, the founder and perfecter of our faith, who for the joy that was set before him endured the cross, despising the shame, and is seated at the right hand of the throne of God.
Hebrews 13:7
Remember your leaders, those who spoke to you the word of God. Consider the outcome of their way of life, and imitate their faith.
Romans 14:22
The faith that you have, keep between yourself and God. Blessed is the one who has no reason to pass judgment on himself for what he approves.
Romans 14:23
But whoever has doubts is condemned if he eats, because the eating is not from faith. For whatever does not proceed from faith is sin.
[ The Full Assurance of Faith ] Therefore, brothers, since we have confidence to enter the holy places by the blood of Jesus,
Hebrews 10:22
let us draw near with a true heart in full assurance of faith, with our hearts sprinkled clean from an evil conscience and our bodies washed with pure water.
Hebrews 10:38
but my righteous one shall live by faith, and if he shrinks back, my soul has no pleasure in him.”
Hebrews 10:39
But we are not of those who shrink back and are destroyed, but of those who have faith and preserve their souls.
Hebrews 11:1
[ By Faith ] Now faith is the assurance of things hoped for, the conviction of things not seen.
Hebrews 12:1
[ Jesus, Founder and Perfecter of Our Faith ] Therefore, since we are surrounded by so great a cloud of witnesses, let us also lay aside every weight, and sin which clings so closely, and let us run with endurance the race that is set before us,
Hebrews 12:2
looking to Jesus, the founder and perfecter of our faith, who for the joy that was set before him endured the cross, despising the shame, and is seated at the right hand of the throne of God.
Hebrews 13:7
Remember your leaders, those who spoke to you the word of God. Consider the outcome of their way of life, and imitate their faith.
Romans 14:22
The faith that you have, keep between yourself and God. Blessed is the one who has no reason to pass judgment on himself for what he approves.
Romans 14:23
But whoever has doubts is condemned if he eats, because the eating is not from faith. For whatever does not proceed from faith is sin.