is a preamble to charity. Therefore,
just as an act of nature is not meritorious, since we do not merit by
our natural gifts, so neither is an act of faith.

Obj. 2: Further, belief is a mean between opinion and scientific
knowledge or the consideration of things scientifically known
[*Science is a certain knowledge of a demonstrated conclusion through
its demonstration.]. Now the considerations of science are not
meritorious, nor on the other hand is opinion. Therefore belief is
not meritorious.

Obj. 3: Further, he who assents to a point of faith, either has a
sufficient motive for believing, or he has not. If he has a
sufficient motive for his belief, this does not seem to imply any
merit on his part, since he is no longer free to believe or not to
believe: whereas if he has not a sufficient motive for believing,
this is a mark of levity, according to Ecclus. 19:4: "He that is
hasty to give credit, is light of heart," so that, seemingly, he
gains no merit thereby. Therefore to believe is by no means
meritorious.

_On the contrary,_ It is written (Heb. 11:33) that the saints "by
faith . . . obtained promises," which would not be the case if they
did not merit by believing. Therefore to believe is meritorious.

_I answer that,_ As stated above (I-II, Q. 114, AA. 3, 4), our
actions are meritorious in so far as they proceed from the free-will
moved with grace by God. Therefore every human act proceeding from
the free-will, if it be referred to God, can be meritorious. Now the
act of believing is an act of the intellect assenting to the Divine
truth at the command of the will moved by the grace of God, so that
it is subject to the free-will in relation to God; and consequently
the act of faith can be meritorious.

Reply Obj. 1: Nature is compared to charity which is the principle of
merit, as matter to form: whereas faith is compared to charity as the
disposition which precedes the ultimate form. Now it is evident that
the subject or the matter cannot act save by virtue of the form, nor
can a preceding disposition, before the advent of the form: but after
the advent of the form, both the subject and the preceding
disposition act by virtue of the form, which is the chief principle
of action, even as the heat of fire acts by virtue of the substantial
form of fire. Accordingly neither nature nor faith can, without
charity, produce a meritorious act; but, when accompanied by charity,
the act of faith is made meritoriou