The certainty of faith is utter assurance because it depends upon nothing of your own. It is entirely trusting that God is a propitious, pardoning God—the God who justifies sinners by forgiving them.
Sinners get faith as a gift when Christ takes their captivity captive.

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In God’s eyes, the last day has already happened in Jesus. We’ve already been made alive in Jesus, raised with him, and seated with him at the Father’s right hand.
“The lack of assurance of one’s standing before God causes a person to do anything to make things right in a vain attempt to gain eternal certitude. ”
To be sure, the devil has an incredible arsenal of assaults with which he can waylay believers into ineptitude and ineffectiveness.
The following is an excerpt from Martin Luther’s Commentary on Saint Paul’s Epistle to the Galatians (1535), translated by Haroldo Camacho (1517 Publishing, 2018).
When we imagine we’re living an evil-shunning, virtue-practicing, morally superior Christian life, the problem is not that our halos are too small, but that our heads are too big.
When guilt becomes our totem, it dictates our idea of right and wrong and enslaves us to the fear of what happens when we open our eyes tomorrow morning.
Much like Jacob wrestling with God in the desert, we find our intellectual hips continuously put out of joint as we engage the culture around us.
The fool says in his heart, “There is no God.” But the fool also says in his heart, “There are many gods.” And we, dear friends, are the fools.
The commonly accepted wisdom is that we feel guilt over what we’ve done and we experience shame over who we are. If guilt is the blemish on our face then shame is the cancer in our heart. It’s deeper, harder to dig out.
The reason the U.S. is blessed by God is that we are essentially a “good” nation. And this is the root of Bob’s problem (and that of all civil religion).
No worry, no fear. Nothing she can do can separate her from the love of Christ!
All the verbs of our salvation are passive. God calls and gathers people to him through his Gospel.