"My fear is that the modern conception of faith is not the biblical one, that when the teachers of our day use the word they do not mean what the Bible writers meant when they used it. The causes of my uneasiness are these:
1. The lack of spiritual fruit in the lives of so many who claim to have faith.
2. The rarity of a radical change in the conduct and general outlook of persons professing their new faith in Christ as their personal Savior.
3. The failure of our teachers to define or even describe the thing to which the word 'faith' is supposed to refer.
4. The heartbreaking failure of multitudes of seekers, be they ever so earnest, to make anything out of the doctrine [of faith] or to receive any satisfying experience through it.
5. The real danger that a doctrine that is parroted so widely and received so uncritically by so many is false as understood by them.
6. I have seen faith put forward as a substitute for obedience, an escape from reality, a refuge from the necessity of hard thinking, a hiding place for weak character. I have known people to miscall by the name of faith high animal spirits, natural optimism, emotional thrills and nervous tics.
7. Plain horse sense ought to tell us that anything that makes no change in the man who professes it makes no difference to God either, and it is an easily observable fact that for countless numbers of persons the change from no-faith to faith makes no actual difference in the life."
A. W. Tozer, "Faith: The Misunderstood Doctrine," in Man the Dwelling Place of God, pages 30-31.