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If baptism unto salvation is to be interpreted as water baptism, then salvation is of man and man alone, the Lord has no role in the process. Additionally, this suggests that He has nothing to do with our salvation until we perform the works required of us.
If the baptism referenced is the baptism of the Holy Spirit, then both elements are accounted for -- man's responsibility in accepting the Lord's invitation and the Lord's role in regeneration as the author and finisher of our faith.
Given the fact that there is one baptism, and that baptism is a necessary element of salvation, then the water by baptism for salvation theory says that salvation is a combination of belief and baptism, both works of man, rendering God as no effect in salvation -- which we know is a violation of Ephesians 2:8-9.
Seeing as how there are two baptisms referenced, one of the Lord and the other of man, the fact that our works do not save, the fact that there is but one baptism unto salvation, one can only conclude that the baptism unto salvation spoken of in scripture is the baptism of the Holy Spirit that indwells each believer upon spiritual rebirth.
And of course, there is always the easy answer:
If water baptism was necessary for salvation, then Jesus lied to the thief on the cross.
More . . .
The Catholic tradition of baptizing infants adds another layer of confusion. . . .

