- "Transaction theology" at its worst ends up taking the holiness out of our redemption;
- Focus on atonement-as-substitution removes or displaces the discussion of our transformation;
- Focus on the "transaction" aspects also obscures the active role of Christ in being the agent of our redemption not just the price tag needed for some other effective agent;
- Focus on substition also turns the cross of Christ into an event at which we are spectators or beneficiaries but not participants
These are not minor points of the atonement, and we cannot afford to have them displaced by giving center stage to a theory which pushes these things onto the sidelines. As important as it is to understand that Christ died for us, the righteous for the unrighteous to bring us back to God, we must not forget that "atonement" is not fully satisfied until our fellowship and communion with God Himself is restored.