There’s much in life that we obtain on credit. A college degree, a house, a car. etc. Having these things brings premature success, status, security, stability, and mobility. God has his own form of credit, and it’s called “faith.” By it, we obtain God’s favor and approval. Is there anything better? By the way, money doesn’t buy happiness, faith does.
And without faith it is impossible to please Him, for he who comes to God must believe that He is and that He is a rewarder of those who seek Him. Hebrews 11:6