The “faith alone” folks declare that baptism is a work of merit and therefore it cannot be linked to salvation. I agree that is it is a work of merit, than what they say is so. But let’s let God decide if it is a work of merit. In Titus 3:5 Paul wrote, “not by works of righteousness which we have done, but according to His mercy He saved us, through the washing of regeneration and the renewing of the Holy Spirit.” The apostle groups “washing”, his word for baptism here, with that which does not earn righteousness. No wonder to be born again, you must be born of water and the Spirit. The “faith onlys” would very much like to dispense with the water and remove the washing, but the Lord put it in there. So who are you going to believe, the “faith onlys” or the apostle Paul? This is Just-A-Minute.