Tom, you are not understanding Romans four, not even close. God chose "the system of faith", that he may established this truth~Salvation from sin and condemnation is purely by the grace of God without any works on man's part.
Faith is not a work according to Paul
Romans 4:1–5 (KJV 1900) — 1 What shall we say then that Abraham our father, as pertaining to the flesh, hath found? 2 For if Abraham were justified by works, he hath whereof to glory; but not before God. 3 For what saith the scripture? Abraham believed God, and it was counted unto him for righteousness. 4 Now to him that worketh is the reward not reckoned of grace, but of debt. 5
But to him that worketh not, but believeth on him that justifieth the ungodly, his faith is counted for righteousness.
Seems it is you who does not understand Paul
Not faith as a means to obtain, but faith as the means, or evidence that the righteousness of God is upon the person who believes, "not upon a person who thinks he must perform certain religious acts" in order to be accepted~another blessed truth that goes perfectly this this truth, is regeneration is solely by the Spirit of God apart from all means, including, but not limited to preachers, the scriptures, will of the flesh, etc.; the three main ones folks labor to use.....but, they labor in vain.
Sorry but faith is the instrumental cause of righteousness and salvation
The efficient (primary) cause of our eternal salvation the Scripture uniformly proclaims to be the mercy and free love of the heavenly Father towards us; the material cause to be Christ, with the obedience by which he purchased righteousness for us; and what can the formal or instrumental cause be but faith? John includes the three in one sentence when he says, “God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish but have everlasting life,” (John 3:16).
That is not the word of an Arminian or a provisionist but of
John Calvin, Institutes of the Christian Religion (Bellingham, WA: Logos Bible Software, 1997).
Similarly The Calvinist Theologian Berkouwer states
3. TO FAITH. Faith is the mediate or instrumental cause of sanctification as well as of justification. It does not merit sanctification any more than it does justification, but it unites us to Christ and keeps us in touch with Him as the Head of the new humanity, who is the source of the new life within us, and also of our progressive sanctification, through the operation of the Holy Spirit
L. Berkhof, Systematic Theology (Grand Rapids, MI: Wm. B. Eerdmans publishing co., 1938), 537.
There is not just a correlation between faith and justification, faith and regeneration , faith and salvation
There is a causal relationship even Calvinist theologians have affirmed
John 1:13~ “Which were born, not of blood, nor of the will of the flesh, nor of the will of man, but of God.”
Conflates the right to be made a child of God with the act of making man a child of God
John 1:12 (KJV 1900) — 12 But as many as received him, to them gave he power to become the sons of God, even to them that believe on his name:
all who believe on Jesus receive this right, which God alone can accomplish