In "Biblical Perspective" Gordon Snider writes:

The perfect obedience of Christ is a standard that no man on his own can equal. When man compares himself with Christ, he sees how totally impossible it is for him to “establish [his] own righteousness.” Christ did not destroy the law, but His perfect obedience made it forever impossible for man to claim his own righteousness as a reason for salvation. But notice the qualification — to every one that believeth. Once a man believes in Christ as Savior, he abandons any attempt to attain righteousness by his own merit. For those without faith, Christ is not the end of the law for righteousness. They, like the Jews of verse 3, continue the vain effort of salvation by works.

Source: Studies in Romans: Adult Teacher's Insights, page 59.

In "God's Word for Today" William Snider writes:

Paul's emphasis on the redeeming work of Christ flows out of his intense burden for the Jewish people. Reflecting upon his own background as a Pharisee, he could appreciate that they were zealous for what they understood to be God's purpose and method, but they had misunderstood and twisted the plan to emphasize the human rather than the divine. Their insistence upon the obedience to the law had, in fact, revealed their impotence to keep the law. Yet they had wrapped themselves in self-righteous robes and pronounced themselves acceptable to God. The result was an ethical (and racial) arrogance. The true salvation process is to admit sin and come to Jesus for divine forgiveness. It is a purposeful acknowledgment of Christ as the sole source of salvation and faith in His death to accomplish this purpose. For the Jew, this was to reject their system of religion which had major implications for past and present. Accepting Christ for salvation is no less radical now.

Source: Studies in Romans: Adult Teacher's Insights, page 58-59.

In "God's Word for Today" William Snider writes:

The Apostle Paul correctly told the Corinthians that we have the treasure of salvation in “earthen vessels” (2 Cor. 4:7). The provisions of the atonement do not address the impairments to our humanity. Paul called them “infirmities.” Sometimes these defects may have spiritual consequences for us and others. Often the devil will capitalize on these to shake our confidence in the work of God in us. It is impor-tant that we recognize and not dismiss these. Yet we must not despair because of them. God is aware of these flaws. He has made provision for our ongoing maturity. Think about this promise and His provision as you contemplate imperfect self. They do not affect His love for you.

Source: Studies in Romans: Adult Teacher's Insights, page 46.

In "God's Word for Today" Steve Oliver writes:

Especially if we have been in church our entire lives and have heard the message of salvation repeatedly, it is easy to take salvation for granted. Being saved can just become a “normal” part of life, and we may lose the freshness of the experience. We may also forget the incredible cost of salvation and perhaps never realize the vital part that redemption plays in God's plan for world history. One of the dangers of this complacency is that we fail to value our salvation sufficiently, so sin can become “no big deal.” We also forget that redemption proves beyond any doubt God's love for us, the central place that the atonement holds in His plan, and the lengths to which He is willing to go to provide for our salvation.

Discussion: How have you seen such complacency affect the spirituality of Christians?
Source: Christ, the Triumphant Lord: Adult Teacher's Insights, page 33.