Here is a post I wrote in another thread on the same topic:
God created man with the free will to choose. Man chose to sin. That sin permanently changed the nature of man into a state of natural depravity. That is why we die. There was indeed a physical change in man. The sin of adam is imputed naturally to each human being through the male line as Adam is the federal head of mankind. All who are of the lineage of Adam as the federal head will certainly and justifiably die because they are naturally evil.
God through His mercy sent His son to die for us so that our sins may be forgiven. This is the only way that it could be done. Adam is not the federal head of Christ because Christ's father is God Himself! Thus no sin was imputed to him. He is the only one who could ever be an innocent sacrifice to fully complete the law of God through perfect obedience. On the cross Christ took on the sins of the world and bore the guilt and punishment of all mankind through perfectly righteous sacrifice. This was the only way he could have died as he did not earn that punishment in any way though deed or imputation but took it on willingly. God raised him from the dead and he is now sitting at the right hand of the Father in Glory.
Because of this even though we sin because we are sinners by nature we can have the righteousness of Christ who is now the federal head of the Church imputed to us by the grace of God! God is just and right and good to let us reap what we have planted. God is indeed merciful and good and loving to give us a gift of salvation that we don't deserve. The finite cannot contain the infinite and we cannot know the full greatness and glory of His ways and His character. But we do know that he is our savior and has born the punishment of the sins on himself that we earned together as a people. The choice of who he brings to heaven and who he doesn't is His alone and it is just and good.
That's a nice description of Calvinism, but it is not biblical. I'll start with Matthew and demonstrate:
Matt 7
1"
Do not judge, or you too will be judged. 2For in the same way you judge others, you will be judged, and with the measure you use, it will be measured to you.
Matt 7
7"Ask and it will be given to you; seek and you will find; knock and the door will be opened to you. 8For everyone who asks receives; he who seeks finds; and to him who knocks, the door will be opened.
9"Which of you, if his son asks for bread, will give him a stone? 10Or if he asks for a fish, will give him a snake? 11If you, then, though you are evil, know how to give good gifts to your children,
how much more will your Father in heaven give good gifts to those who ask him!
The Wise and Foolish Builders
24"Therefore everyone who hears these words of mine
and puts them into practice is like a wise man who built his house on the rock. 25The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not fall, because it had its foundation on the rock. 26But everyone who hears these words of mine
and does not put them into practice is like a foolish man who built his house on sand. 27The rain came down, the streams rose, and the winds blew and beat against that house, and it fell with a great crash."
Matt 10
32"
Whoever acknowledges me before men, I will also acknowledge him before my Father in heaven.
33But whoever disowns me before men, I will disown him before my Father in heaven.
40"He who receives you receives me, and he who receives me receives the one who sent me. 41Anyone who receives a prophet because he is a prophet will receive a prophet's reward, and anyone who receives a righteous man because he is a righteous man will receive a righteous man's reward. 42And
if anyone gives even a cup of cold water to one of these little ones because he is my disciple,
I tell you the truth, he will certainly not lose his reward."
Matt 16
24Then Jesus said to his disciples, "If anyone would come after me,
he must deny himself and take up his cross and follow me. 25For whoever wants to save his life[
h] will lose it, but whoever loses his life for me will find it. 26What good will it be for a man if he gains the whole world, yet forfeits his soul? Or what can a man give in exchange for his soul? 27For the Son of Man is going to come in his Father's glory with his angels,
and then he will reward each person according to what he has done.