It's a big question in my head…

This is a theology question, but i hope some people will give some input here.

How is the necessity of accepting the grace of God to find salvation not a transaction? And, if it is a transaction, is it grace?

I reserve the right to moderate and delete comments at my sole discretion. Basically, don't be an ass or a troll, contribute to the conversation, and you can say what you want. This is my online home, not a free for all chat room. Thanks.