Summary
This reading treats justification primarily as law-court language. God’s verdict changes a person’s standing before him: the ungodly are counted righteous through faith in Christ rather than through works. Sanctification and new obedience necessarily follow, but they are distinguished from the ground of the justifying verdict.
What this contributes
It protects the priority of grace and the sufficiency of Christ by locating assurance outside the believer’s moral achievement. It also makes sense of Paul’s repeated contrasts between faith, boasting, works, and gift.
Question to keep in view
If isolated from Paul’s covenant and participation language, this account can make justification sound individualistic or detached from the creation of a reconciled Jew–Gentile people.