This is the point I have sought to address (or at least, have a discussion about) on the "Scope of Effort and Grace" thread on the Christianity and World Religions Forum. I am actually taking time out at the moment. I have a lot on, and to be honest some of the views expressed here are, from a Buddhist perspective, the thicket of views, the wilderness of views, the contortion of views, the vacillation of views, the fetter of views which "do not lead to the end of suffering". As expressed by others here they just confuse the mind, which needs clarity. Sometimes things just need to settle, or at least, I find it so.
As far as the "payment", yes, as I see it many are unable to actually see/discern the payment they are making - which in relation to the subject of this thread, is simply because of the the red herring of "free will", which can act to confuse rather than explain. As I see it, in theistic terms, freedom is more the gift that God seeks to give us, rather than that which HAS been given for us to choose Him or not.
The Catholic Thomas Merton has proved a good guide for me as far "knowing God" is concerned. In his Journals can be found this on Faith, on "payment" ( and much more )...
The reification of faith. Real meaning of the phrase we are saved by faith = we are saved by Christ, whom we encounter in faith. But constant disputation about faith has made Christians become obsessed with faith almost as an object, at least as an experience, a "thing" and in concentrating upon it they lose sight of Christ. Whereas faith without the encounter with Christ and without His presence is less than nothing. It is the deadest of dead works, an act elicited in a moral and existential void. To seek to believe that one believes, and arbitrarily to decree that one believes, and then to conclude that this gymnastic has been blessed by Christ - this is pathological Christianity. And a Christianity of works. One has this mental gymnastic in which to trust. One is safe, one possesses the psychic key to salvation......
I am well aware that many Christians could well agree with such words, yet from my own perspective they would do well to look further, perhaps deeper - as Thomas Merton himself did. In a letter to the feminist theologian Rosemary Radford Ruether he wrote .......I do wonder at times if the Church is real at all. I believe it, you know. But I wonder if I am nuts to do so. Am I part of a great big hoax?.............there is a real sense of and confidence in an underlying reality, the presence of Christ in the world which I don't doubt for an instance. But is that presence where we are all saying it is? We are all pointing in various directions and my dreadful feeling is that we are all pointing wrong......
Merton took seriously the question asked of Peter by Jesus, as recorded in the Gospels..........."Who do you say that I am?"
So where does anyone go when the question is asked of them? What is the "encounter with Christ" without which we just exist in an "existential void", just engage in "mental gymnastics". Do we assume we possess the psychic key - aka "the only way", "the one way"? By dredging up the answers of the past given by others?
For me, Pure Land Buddhism, with its non-dual perspective, born of the Buddhist "anatta" (not-self) teaching, has its own "answers". Alas, to attempt to discuss them just draws down upon me a succession of "only way" Christians who have only one agenda.
Anyway, all the best.